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CETTO v. LASALLE BANK NAT. ASS'N

No. 06-1720.

518 F.3d 263 (2008)

James Alexander CETTO, II; Elizabeth Ann Cetto, Plaintiffs-Appellants, v. LASALLE BANK NATIONAL ASSOCIATION, as Trustee for Structured Asset Investment Loan Series 2003-BC9 by Wilshire Credit Corporation, its Authorized Servicing Agent, Defendant-Appellee, v. Savings First Mortgage, LLC, Party in Interest.

United States Court of Appeals, Fourth Circuit.

Decided: February 29, 2008.

Attorney(s) appearing for the Case

ARGUED: Thomas Ray Breeden, Manassas, Virginia, for Appellants. Paul Wilbur Jacobs, II, Christian & Barton, L.L.P., Richmond, Virginia, for Appellee. ON BRIEF: Nichole Buck Vanderslice, Christian & Barton, L.L.P., Richmond, Virginia, for Appellee.

Before NIEMEYER, SHEDD, and DUNCAN, Circuit Judges.

Affirmed by published opinion. Judge NIEMEYER wrote the opinion, in which Judge SHEDD and Judge DUNCAN joined.

OPINION

NIEMEYER, Circuit Judge:

James and Elizabeth Cetto seek to rescind the refinancing of their Virginia home based on their claim that the total points and fees charged in the transaction qualified the loan as what is commonly referred to as a "high-cost mortgage" under the Truth in Lending Act ("TILA") as amended by the Home Ownership...

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