A Florida appeals court has reversed parts of a foreclosure judgment over a missing spouse’s signature on a loan modification.
The decision landed on May 6, 2026, from Florida’s First District Court of Appeal. The opinion is short, but it carries a useful warning for anyone running point on default servicing or foreclosure work in Florida.
Here is how it played out. Travis Musser signed a loan modification with the predecessor in interest to Wilmington Savings Fund Society, FSB, which now holds the loan as owner trustee of the Residential Credit Opportunities Trust VII-A. His wife, Regina Ann Sidner, did not sign. When the loan ended up in foreclosure in Escambia County, that one missing signature turned into the whole ballgame…