U.S. Bank v. Ceballos — Sixth District Affirms Without Written Opinion

Case
U.S. Bank, N.A., as Trustee for the Certificate Holders of Banc of America Funding 2008-FT1 Trust, Mortgage Pass Through Certificates, Series 2008-FT1 v. Maribel Ceballos and Thomas Rios
Court
Florida Sixth District Court of Appeal
Date Decided
July 7, 2026
Docket No.
6D2025-0644
Topics
Mortgage foreclosure, Real property, Appellate procedure

Background

This case involves an appeal by U.S. Bank, as trustee for a mortgage-backed securities trust, against defendants Maribel Ceballos and Thomas Rios in a mortgage-related dispute. The matter originated in Osceola County Circuit Court under case no. 2010-CA-002282, where Judge Christine E. Arendas presided. The appellate record reflects a dispute concerning mortgage obligations and property rights.

The parties presented their respective arguments to the Sixth District Court of Appeal, with U.S. Bank appealing the lower court’s determination.

The Court’s Holding

The Sixth District Court of Appeal, in a per curiam decision joined by Justices Nardella, Smith, and Kamoutsas, affirmed the judgment of the Circuit Court for Osceola County. The court issued no written opinion explaining its reasoning, reflecting an affirmance of the lower court’s decision on the record presented.

Key Takeaways

  • The appellate court upheld the lower court’s judgment in this mortgage-related dispute
  • The per curiam affirmance reflects agreement with the trial court’s determination
  • No written opinion was issued by the appellate panel

Why It Matters

Per curiam affirmances without written opinion represent judicial efficiency in appellate practice, typically indicating the appellate court found no reversible error warranting modification of the trial court’s judgment. In mortgage and real property disputes, such affirmances signal that lower court determinations regarding property rights and mortgage obligations survive appellate review.

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