Deborah C. Russell v. HSBC Mortgage Services, Inc., et al

A homeowner alleges that a mortgage company promised her favorable terms to induce her to refinance her mortgage but the actual loan did not contain the terms discussed. She further alleges that company representatives led her to believe, after she received copies of some of the loan documents, that the discrepancy in the loan terms was a “mistake” that would be corrected. The homeowner filed this case against several entities, including the mortgage company. In the order at issue in this appeal, the trial court granted the defendants summary judgment on all of the homeowner’s causes of action and on their counterclaim. We have concluded that the trial court properly granted summary judgment on the claim for violation of the Truth in Lending Act. With regard to the homeowner’s claims for intentional and negligent misrepresentation, we find that there remain genuine issues of material fact and that the trial court therefore erred in granting summary judgment.