PIKE HOLDINGS, LLC
v.
BRIGHTHOUSE LIFE INSURANCE COMPANY
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A non-party to a mortgage lacks standing to challenge violations of mortgage terms, and even if standing existed, Pike failed to preserve the issue by not raising it with particularity in pleadings or at trial.
[1] A non-party to a mortgage lacks standing to assert an affirmative defense challenging the mortgagee's alleged violation of mortgage notice of default requirements.
[2] An affirmative defense based on failure to comply with conditions precedent must identify with particularity both the nature of the condition precedent and the nature of…
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Join FLexlaw to unlock all legal intelligence“Because appellant was not a party to the mortgage, . . . appellant does not have standing to challenge any violation of these mortgage terms.”
Court citing Clay County Land Trust case for the principle that non-parties to a mortgage lack standing to challenge mortgage term violations.
Pike Holdings was the defendant in a foreclosure action brought by Brighthouse Life Insurance Company. Pike was not a party to the underlying mortgage…
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Third District Court of Appeal State of Florida
Opinion filed December3, 2025. Not final until disposition of timely filed motion for rehearing.
________________
No.3D24-2292 Lower Tribunal No. 23-20166-CA-01 ________________
Pike Holdings, LLC, Appellant,
vs.
Brighthouse Life Insurance Company, Appellee.
An Appeal from the Circuit Court for Miami-Dade County, David Craig Miller, Judge.
P.A. Bravo, P.A., and Paul Alexander Bravo, for appellant.
Quarles & Brady LLP, and Benjamin B. Brown, Joseph T. Kohn, and Reed F. Baker (Naples), for appellee.
Before LOGUE, LINDSEY, and GOODEN, JJ.
LINDSEY, J.
2
Appellant, Pike Holdings, LLC (“Pike”), the defendant below, timely appeals a final judgment of foreclosure in favor of Appellee, Brighthouse Life Insurance Company (“Brighthouse”), the plaintiff below, and subsequent order denying Pike’s motion for rehearing. We affirm in all respects.
We affirm the trial court’s final judgment of foreclosure because Pike is a non-party to the Mortgage. As such, it lacks standing to assert an affirmative defense based on failure to comply with the Paragraph 22 of the Mortgage’s notice of default requirements. See Clay Cnty. Land Tr. No. 08- 04-25-0078-014-27, Orange Park Tr. Services, LLC v. JPMorgan Chase Bank, Nat. Ass'n, 152 So. 3d 83, 84 (Fla. 1st DCA 2014) (“Because appellant was not a party to the mortgage, . . . appellant does not have standing to challenge any violation of these mortgage terms.”). Even if Pike had standing, it failed to preserve the issue for appeal by not raising this defense with particularity in its pleadings, or at trial, and instead raising it for the first time on motion for rehearing. See Harris v. U.S. Bank Nat'l Ass'n, 223 So. 3d 1030, 1033 (Fla. 1st DCA 2017) (“The Borrowers did not raise the Bank's noncompliance in their answer, affirmative defenses, or at any time prior to closing argument, which amounts to a waiver and failure to preserve the
1 Pike’s third affirmative defense generally alleges failure to comply with conditions precedent. But the nature of the alleged noncompliance is Brighthouse’s failure to pay all documentary stamp taxes on Pike’s loan. Pike does not mention Paragraph 22 or any failure to send a notice of default and acceleration. This falls short of the specificity and particularity required to satisfy Rule 1.120(c). See Deutsche Bank Nat. Tr. Co. v. Quinion, 198 So. 3d 701, 703–04 (Fla. 2d DCA 2016) (“[T]o construct a proper denial under the rule, a defendant must, at a minimum, identify both the nature of the condition precedent and the nature of the alleged noncompliance or nonoccurrence.”).
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- Clay Cnty. Land Tr. # 08-04-25-0078-014-27 v. Jpmorgan Chase Bank, 152 So. 3d 83 (Fla. 1st DCA 2014)