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CORVELLO v. WELLS FARGO BANK, NA

Nos. 11-16234, 11-16242.

728 F.3d 878 (2013)

Phillip R. CORVELLO, Plaintiff-Appellant, v. WELLS FARGO BANK, NA, DBA America's Servicing Company, dba Wells Fargo Home Mortgage, Inc., Defendant-Appellee. Karen Lucia; Jeffrey Lucia, on behalf of themselves and all others similarly situated, Plaintiffs-Appellants, v. Wells Fargo Bank, NA, aka Wells Fargo Home Mortgage, Inc., Defendant-Appellee.

United States Court of Appeals, Ninth Circuit.

Filed August 8, 2013.

As Amended on Rehearing in Part September 23, 2013.

Attorney(s) appearing for the Case

Timothy G. Blood , Leslie E. Hurst (argued) and Thomas J. O'Reardon, II , Blood Hurst & O'Reardon, LLP, San Diego, CA; Andrew S. Friedman , Elaine A. Ryan and Patricia N. Syverson , Bonnett, Fairbourn, Friedman & Balint, P.C., Phoenix, AZ; Todd D. Carpenter , Bonnett, Fairbourn, Friedman & Balint, P.C., San Diego, CA; James R. Patterson , Patterson Law Group, San Diego, CA, for Plaintiff-Appellant Phillip R. Corvello.

Brian R. Strange , Gretchen Carpenter (argued) and Adrian R. Bacon , Strange & Carpenter, Los Angeles, CA; Hernán Vera , Public Counsel, Los Angeles, CA, for Plaintiffs-Appellants Karen Lucia and Jeffrey Lucia.

Matthew G. Ball , K & L Gates LLP, San Francisco, CA; Irene C. Freidel (argued) and David D. Christensen , K & L Gates LLP, Boston, MA, for Defendant-Appellee.

Before: MARY M. SCHROEDER, JOHN T. NOONAN, and MARY H. MURGUIA, Circuit Judges.

OPINION

PER CURIAM:

INTRODUCTION

The U.S. Department of the Treasury, acting under the direction of Congress, launched the Home Affordable Modification Program ("HAMP") in 2009 to help distressed homeowners with delinquent mortgages, but the program seems to have created more litigation than it has happy homeowners. The issue we must decide is whether a bank was contractually required to offer the plaintiffs a permanent mortgage modification after...

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