GAROFOLO v. OCWEN LOAN SERVICING, L.L.C.

No. 15-0437.

497 S.W.3d 474 (2016)

Teresa GAROFOLO, Appellant, v. OCWEN LOAN SERVICING, L.L.C., Appellee.

Supreme Court of Texas.

Opinion Delivered: May 20, 2016.

Rehearing Denied September 23, 2016.


Attorney(s) appearing for the Case

Scott R. Kidd , Kidd Law Firm, Austin TX, for Appellant.

Benjamin David Lee Foster , Locke Lord LLP, Austin TX, Daron L. Janis , Robert T. Mowrey , William Scott Hastings , Locke Lord LLP, Dallas TX, Sahar Shirazi , Kari Lynn Robinson , Baker Donelson Bearman Caldwell & Berkowitz, P.C., Houston TX, for Appellee.

B. Scott Daugherty , Texas Bankers Association, Austin TX, John C. Fleming , Law Office of John C. Fleming, Austin TX, Karen Sue Neeley , Kennedy Sutherland LLP, Austin TX, for Amicus Curiae parties.


The Texas Constitution allows a home-equity lender to foreclose on a homestead only if the underlying loan includes specific terms and conditions. Among them is a requirement...

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