Riggs v. Aurora Loan Servs., LLC, 36 So. 3d 932 (Fla. 4th DCA 2010). · Go Syfert
Riggs v. Aurora Loan Servs., LLC, 36 So. 3d 932 (Fla. 4th DCA 2010). Cases Citing This Book View Copy Cite
“aurora's possession of the original note, indorsed in blank, 1118 was sufficient under florida's uniform commercial code to establish that it was the lawful holder of the note, entitled to enforce its terms.”
92 citation events (92 in the last 25 years) across 4 distinct courts.
Strongest positive: Sanabria v. Pennymac Mortgage Investment Trust Holdings I, LLC (fladistctapp, 2016-07-15)
Treatment trajectory · 2010 → 2026 · click a year to view as-of
2010 2018 2026
Top citers, strongest first. 50 distinct citers. How cited ↗
examined Cited as authority (verbatim quote) Sanabria v. Pennymac Mortgage Investment Trust Holdings I, LLC (2×)
Fla. Dist. Ct. App. · 2016 · quote attribution · 2 verbatim quotes · confidence high
nothing in the pleadings placed the authenticity of al-day's signature at issue.
examined Cited as authority (verbatim quote) Olivera v. Bank of America, N.A.
Fla. Dist. Ct. App. · 2014 · quote attribution · 1 verbatim quote · confidence high
aurora's possession of the original note, indorsed in blank, was sufficient under florida's uniform commercial code to establish that it was the lawful holder of the note, entitled to enforce its terms.
examined Cited as authority (verbatim quote) Taylor v. Bayview Loan Servicing, LLC
Fla. Dist. Ct. App. · 2011 · quote attribution · 1 verbatim quote · confidence high
aurora's possession of the original note, indorsed in blank, 1118 was sufficient under florida's uniform commercial code to establish that it was the lawful holder of the note, entitled to enforce its terms.
discussed Cited as authority (quoted) Gary S. Snyder and Jane Snyder v. JP Morgan Chase Bank
Fla. Dist. Ct. App. · 2015 · signal: see, e.g. · quote attribution · 1 verbatim quote · confidence low
the negotiation of the note by its transfer of possession with a blank in-dorsement made aurora loan the 'holder' of the note entitled to enforce it.
cited Cited as authority (rule) U.S. BANK TRUST, N.A., ETC. v. LUC P. PETRE
Fla. Dist. Ct. App. · 2020 · confidence medium
Id. (citing Servedio v. U.S. Bank Nat’l Ass’n, 46 So. 3d 1105, 1106-07 (Fla. 4th DCA 2010), and Riggs v. Aurora Loan Servs., LLC, 36 So. 3d 932, 933 (Fla. 4th DCA 2010)).
discussed Cited as authority (rule) THIRD FEDERAL SAVINGS AND LOAN ASSOCIAITON OF CLEVELAND v. LEAH G. KOULOUVARIS A/ K/ A LEAH KOULOUVARIS
Fla. Dist. Ct. App. · 2018 · confidence medium
Homeowners Ass'n v. Onewest Bank, N.A., 183 So. 3d 1266 , 1269 n.3 (Fla. 5th DCA 2016) (stating that because the endorsed note was self-authenticating as a commercial paper, extrinsic evidence of authenticity was not required as a condition precedent to the note's -3- admissibility); Riggs v. Aurora Loan Servs., LLC, 36 So. 3d 932, 933 (Fla. 4th DCA 2010) (holding that there was no issue of authentication because the note was self-authenticating under section 90.902(8)).
discussed Cited as authority (rule) US Bank, NA v. Glicken
Fla. Dist. Ct. App. · 2017 · confidence medium
See § 673.2011, Fla. Stat. (2012); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (noting that a blank indorsement is payable to the bearer and can be negotiated by the transfer of possession alone); Barnett Bank of Palm Beach Cty., N.A. v. Regency Highland Condo.
discussed Cited as authority (rule) HSBC BANK USA, NATIONAL ASSOC., ETC. v. JAMES HESS a/k/a JAMES H. HESS
Fla. Dist. Ct. App. · 2017 · confidence medium
See § 673.3081(1), Fla. Stat. (2016) (“In an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings.”); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (citing section 673.3081 and holding that the borrowers could not challenge the authenticity of the indorsement because they never placed its authenticity at issue in their pleadings).
discussed Cited as authority (rule) Daniel D. Dragash v. Federal National Mortgage Association
11th Cir. · 2017 · signal: cf. · confidence medium
Cf. Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. Dist.
discussed Cited as authority (rule) Deutsche Bank National Trust Co. v. Applewhite
Fla. Dist. Ct. App. · 2017 · confidence medium
Co., 69 So.3d 300, 304 (Fla. 4th DCA 2011) (holding that the plaintiff, alleged assignee, of mortgage note had standing to bring foreclosure action as holder of the note, regardless of any recorded assignments, where the note at issue was indorsed in blank, and plaintiff possessed the original note and filed it with the circuit court); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (finding the blank indorsement made the note “payable to bearer” and allowed the note to be “negotiated by transfer of possession alone”).
discussed Cited as authority (rule) Polonsky v. HSBC Bank USA, N.A.
Fla. Dist. Ct. App. · 2016 · confidence medium
First Nat’l Bank of Miami, 343 So.2d 927, 928 (Fla. 3d DCA 1977) (where bank filed action on a promissory note, and trial court granted summary judgment in favor of the bank, this court affirmed, holding that the answer to the complaint contained only general denials, and “[s]ince the defensive pleadings did not specifically deny Lipton’s signatures on the instruments, his signatures thereon were admitted .... ”); Riggs v. Aurora Loan Svcs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (noting that “[n]othing in the pleadings placed the authenticity of [appellant’s] signature at issu…
discussed Cited as authority (rule) Rincon v. Bank of America, N.A. (2×)
Fla. Dist. Ct. App. · 2016 · confidence medium
U.S. Bank Nat’l Ass’n v. Knight, 90 So.3d 824, 825-26 (Fla. 4th DCA 2012); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010); Mortg.
discussed Cited as authority (rule) Linda G. Morgan v. The Bank of New York Mellon etc. (2×)
Fla. Dist. Ct. App. · 2016 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010); Mazine, 67 So.3d at 1131 .
cited Cited as authority (rule) Linda G. Morgan v. The Bank of New York Mellon etc.
Fla. Dist. Ct. App. · 2016 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So. 3d 932, 933 (Fla. 4th DCA 2010); Mazine, 67 So. 3d at 1131 .
cited Cited as authority (rule) Floyd v. Bank of America, N.A.
Fla. Dist. Ct. App. · 2016 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th *1074 DCA 2010).
discussed Cited as authority (rule) Alicia Vogel and Howard Vogel v. Wells Fargo Bank, N.A.
Fla. Dist. Ct. App. · 2016 · confidence medium
Lamb v. Nationstar Mortg., LLC, 174 So.3d 1039, 1041 (Fla. 4th DCA 2015) (“ ‘A witness who testifies at trial as to the date a bank became the owner of the note can serve the same purpose as an affidavit of ownership.’” (quoting Sosa v. U.S. Bank Nat’l Ass’n, 153 So.3d 950, 951 (Fla. 4th DCA 2014))). “[Possession of the original noté, indorsed in blank, [is] sufficient under Florida’s Uniform Commercial Code to establish that [a party is] the lawful holder of the note, entitled to enforce its terms.” Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
discussed Cited as authority (rule) Rosanna Guzman and Francisco Guzman v. Deutsche Bank National Trust Company
Fla. Dist. Ct. App. · 2015 · confidence medium
Lamb v. Nationstar Mortg., LLC, 174 So.3d 1039, 1041 (Fla. 4th DCA 2015) (“ ‘A witness who testifies at trial as to the date a bank became the owner of the note ' can serve the same purpose as an affidavit of ownership.’” (quoting Sosa v. U.S. Bank Nat’l Ass’n, 153 So.3d 950, 951 (Fla. 4th DCA 2014))). “[Possession of the original note, indorsed in blank, [is] sufficient under Florida’s Uniform Commercial Code to establish that [a party-is] the lawful holder of the note, entitled to enforce its terms.” Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
discussed Cited as authority (rule) Sonia J. Sanchez and Hector L. Sanchez v. SunTrust Bank
Fla. Dist. Ct. App. · 2015 · confidence medium
Although the witness provided testimony that Suntrust Mortgage placed the blank endorsement on the note before appellee filed suit, he did not state when appellee, ■ the foreclosing party that actually filed the initial complaint, came into possession of the note. “[Possession of the original note, indorsed in blank, [is] sufficient under Florida’s Uniform Commercial Code to establish that [a party is], the lawful holder of the note, entitled to enforce its terms.” Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
discussed Cited as authority (rule) Boumarate v. HSBC Bank USA, N.A.
Fla. Dist. Ct. App. · 2015 · confidence medium
See, e.g., McLean v. JP Morgan Chase Bank Nat’l Ass’n, 79 So.3d 170, 173 (Fla. 4th DCA 2012) (citing Servedio v. U.S. Bank Nat’l Ass’n, 46 So.3d 1105, 1106-07 (Fla. 4th DCA 2010); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010)).
cited Cited as authority (rule) Gorel v. Bank of New York Mellon
Fla. Dist. Ct. App. · 2015 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
discussed Cited as authority (rule) Andrzej Madura v. Bank of America, NA (2×)
11th Cir. · 2014 · confidence medium
Ct. App. 2011) (per curiam) (holding a note, endorsed in blank, was a negotiable instrument subject to the provisions of Chapter 673 of the Florida Statutes); Riggs v. Aurora Loan Servs., LLC, 36 So. 3d 932, 933 (Fla. 4th Dist.
discussed Cited as authority (rule) Madura v. Bac Home Loans Servicing, LP (2×)
11th Cir. · 2014 · confidence medium
See, e.g., Harvey v. Deutsche Bank Nat’l Trust Co., 69 So.3d 300, 303 (Fla.4th Dist.Ct.App.2011) (per curiam) (holding a note, endorsed in blank, was a negotiable instrument subject to the provisions of Chapter 673 of the Florida Statutes); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla.4th Dist.Ct.App.2010) (per curiam) (same); Taylor v. Deutsche Bank Nat’l Trust Co., 44 So.3d 618, 622 (Fla.5th Dist.Ct.App.2010) (noting “a promissory note is a negotiable instrument”); Perry v. Fairbanks Capital Corp., 888 So.2d 725, 727 (Fla.5th Dist.Ct.App.2004) (recognizing a “promissory…
discussed Cited as authority (rule) Deutsche Bank National Trust Co. v. Huber
Fla. Dist. Ct. App. · 2014 · confidence medium
“This court has recognized that possession of the original note is a significant fact in deciding whether the possessor is entitled to enforce its terms.” Clarke, 87 So.3d at 61 (citing Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010)).
cited Cited as authority (rule) Wells Fargo Bank, N.A. v. Morcom
Fla. Dist. Ct. App. · 2013 · confidence medium
U.S. Bank Nat’l Ass’n v. Knight, 90 So.3d 824, 825-26 (Fla. 4th DCA 2012); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010); Mortg.
discussed Cited as authority (rule) Lindsey v. Wells Fargo Bank, N.A.
Fla. Dist. Ct. App. · 2013 · confidence medium
The argument in support of the motion (which simply incorporated by reference the argument in Wells Fargo’s previously denied motion to strike Lindsey’s affirmative defenses) relied heavily on Riggs v. Aurora Loan Services, LLC, in which the court explained that “possession of the original note, indorsed in blank, was sufficient under Florida’s Uniform Commercial Code to establish that it was the lawful holder of the note, entitled to enforce its terms.” See 36 So.3d 932, 933 (Fla. 4th DCA 2010) (emphasis added).
discussed Cited as authority (rule) U.S. Bank National Ass'n v. Knight
Fla. Dist. Ct. App. · 2012 · confidence medium
In Riggs v. Aurora Loan Services, LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010), we held: Aurora’s possession of the original note, indorsed in blank, was sufficient under Florida’s Uniform Commercial Code to establish that it was the lawful holder of the note, entitled to enforce its terms.... [T]he indorsement was a “blank indorsement,” which made the note “payable to bearer” and allowed the note to be “negotiated by transfer of possession alone.” § 673.2051(2), Fla. Stat. (2008).
cited Cited as authority (rule) McLean v. JP Morgan Chase Bank National Ass'n
Fla. Dist. Ct. App. · 2012 · confidence medium
See Servedio v. U.S. Bank Nat’l Ass’n, 46 So.3d 1105, 1106-07 (Fla. 4th DCA 2010); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
cited Cited as authority (rule) Gee v. US BANK NAT. ASS'N
Fla. Dist. Ct. App. · 2011 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
cited Cited as authority (rule) Gee v. U.S. Bank National Ass'n
Fla. Dist. Ct. App. · 2011 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
discussed Cited as authority (rule) Paul v. Wells Fargo Bank, N.A.
Fla. Dist. Ct. App. · 2011 · confidence medium
Wells Fargo’s “possession of the original note, indorsed in blank, [is] sufficient under Florida’s Uniform Commercial Code to establish that it was the lawful holder of the note, entitled to enforce its terms.” Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010); see also Mortgage Elec.
discussed Cited as authority (rule) Kaminik v. Countrywide Home Loans, Inc.
Fla. Dist. Ct. App. · 2011 · confidence medium
See Servedio v. U.S. Bank Nat’l Ass’n, 46 So.3d 1105, 1106-07 (Fla. 4th DCA 2010); Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010); Jacobs v. Becks, 355 So.2d 1241, 1242 (Fla. 1st DCA 1978).
cited Cited as authority (rule) Citibank, N.A. v. Dalessio
M.D. Fla. · 2010 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
cited Cited as authority (rule) Servedio v. US Bank National Ass'n
Fla. Dist. Ct. App. · 2010 · confidence medium
Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
cited Cited "see" US Bank National Ass'n v. Laird
Fla. Dist. Ct. App. · 2016 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC., 36 So.3d 932, 933 (Fla. 4th DCA 2010).
cited Cited "see" Bank of America, N.A. v. Nash
Fla. Dist. Ct. App. · 2016 · signal: see · confidence high
See Riggs v. Au *134 rora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
discussed Cited "see" Corrigan v. Bank of America, N.A. (2×)
Fla. Dist. Ct. App. · 2016 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (holding that loan servicer’s "possession of the original note, indorsed in blank, was sufficient under Florida’s Uniform Commercial Code to establish that it was the lawful holder of the note, entitled to enforce its terms”).
cited Cited "see" Nick Purificato and Denise L. Purificato a/k/a Denise Purificato v. Nationstar Mortgage, LLC
Fla. Dist. Ct. App. · 2016 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010); Focht v. Wells Fargo Bank, N.A., 124 So.3d 308, 310-11 (Fla. 2d DCA 2013).
cited Cited "see" Bayview Loan Servicing, LLC v. Hambleton
Fla. Dist. Ct. App. · 2015 · signal: see · confidence high
See Riggs v. Aurora Loan Seros., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (on rehearing granted).
discussed Cited "see" Trenda Kinney f/k/a Trenda Boutin and Peter Kinney v. Countrywide Home Loan Servicing, L.P.
Fla. Dist. Ct. App. · 2015 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 934 (Fla. 4th DCA 2010) (holding that bank’s submission of “the original note with a blank endorsement ... supported its claim that it was the proper holder of the note and mortgage.”).
cited Cited "see" Deutsche Bank National Trust Co. v. Clarke
Fla. Dist. Ct. App. · 2012 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
discussed Cited "see" Feltus v. US BANK NAT. ASS'N
Fla. Dist. Ct. App. · 2012 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (noting that pursuant to Uniform Commercial Code, negotiation of note by transfer of possession with blank endorsement makes transferee the holder of the note entitled to enforce it).
discussed Cited "see" Feltus v. U.S. Bank National Ass'n
Fla. Dist. Ct. App. · 2012 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010) (noting that pursuant to Uniform Commercial Code, negotiation of note by transfer of possession with blank endorsement makes transferee the holder of the note entitled to enforce it).
examined Cited "see" Deutsche Bank National Trust Co. v. Lippi (3×)
Fla. Dist. Ct. App. · 2012 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932, 933 (Fla. 4th DCA 2010).
cited Cited "see" Muscari v. Wells Fargo Bank, N.A.
Fla. Dist. Ct. App. · 2012 · signal: see · confidence high
See Riggs v. Aurora Loan Services, LLC, 36 So.3d 932 (Fla. 4th DCA 2010).
cited Cited "see" DEANDRADE v. US Bank National Association
Fla. Dist. Ct. App. · 2011 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932 (Fla. 4th DCA 2010), review denied, 53 So.3d 1022 (Fla.2011); see also Citibank v. Dalessio, 756 F.Supp.2d 1361 (M.D.Fla.2010).
cited Cited "see" Bailey v. Deutsche Bank Trust Co. Americas
Fla. Dist. Ct. App. · 2011 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., 36 So.3d 932 (Fla. 4th DCA 2010).
discussed Cited "see" Harvey v. Deutsche Bank National Trust Co. (2×)
Fla. Dist. Ct. App. · 2011 · signal: see · confidence high
See Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932 (Fla. 4th DCA 2010).
discussed Cited "see, e.g." Deutsche Bank National Trust Co. v. Alaqua Property
Fla. Dist. Ct. App. · 2016 · signal: see also · confidence medium
The definition of the term “holder” of an instrument includes the “person in possession of a negotiable instrument that is payable either to bearer or to an'identified person that is the person in possession ...” § 671.201(21)(a), Fla. Stat. (2014); see also Deutsche Bank Nat'l Trust Co. v. Clarke, 87 So.3d 58, 61 (Fla. 4th DCA 2012) (“possession of the original note is a significant fact in deciding whether the possessor is. entitled to .enforce its terms.” (citing Riggs v. Aurora Loan, Servs., LLC., 36 So.3d 932, 933 (Fla, 4th DCA 2010))). ■ Two • years later, the- case proc…
cited Cited "see, e.g." Vidal v. Liquidation Properties, Inc.
Fla. Dist. Ct. App. · 2013 · signal: see, e.g. · confidence low
See, e.g., Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932 (Fla. 4th DCA 2010).
cited Cited "see, e.g." Vidal v. Liquidation Properties, Inc.
Fla. Dist. Ct. App. · 2012 · signal: see, e.g. · confidence low
See, e.g., Riggs v. Aurora Loan Servs., LLC, 36 So.3d 932 (Fla. 4th DCA 2010).
Retrieving the full opinion text from the archive…
Jerry A. RIGGS, Sr., Appellant,
v.
AURORA LOAN SERVICES, LLC, Appellee
4D08-4635.
District Court of Appeal of Florida, Fourth District.
Jun 16, 2010.
36 So. 3d 932
Jerry A. Riggs, Sr., Cooper City, pro se., Diana B. Matson and Roy A. Diaz of Smith, Hiatt & Diaz, P.A., Fort Lauder-dale, for appellee.
Gross, Polen, Stevenson.
Cited by 67 opinions  |  Published
1 passage pin-cited by 1 case
Pinpoint authority: bottom 84%
Citer courts: District Court of Appeal of Fl… (1)

[*933] ON MOTION FOR REHEARING

PER CURIAM.

We grant appellee Aurora Loan Service, LLC’s motion for rehearing, withdraw our previous opinion of April 21, 2010, and replace it with the following.

Aurora filed a mortgage foreclosure action against Jerry Riggs, Sr., alleging that it was the “owner and holder” of the underlying promissory note. With the complaint, Aurora filed copies of the mortgage and promissory note, which named Riggs as the mortgagor and First Mangus Financial Corporation as the mortgagee. Aurora asserted that the original note was in its possession.

Aurora moved for summary judgment. In support of the motion, it filed two affidavits attesting that it owned and held the note and mortgage. At the hearing on the motion, Aurora produced the original mortgage and promissory note. The note had an indorsement in blank with the hand printed signature of Humberto Alday, an agent of the indorser, First Mangus. The circuit court granted summary judgment in favor of Aurora over Riggs’s objections that Aurora’s status as lawful “owner and holder” of the note was not conclusively established by the record evidence.

We agree with the circuit court that Aurora sufficiently established that it was the holder of the note.

Aurora’s possession of the original note, indorsed in blank, was sufficient under Florida’s Uniform Commercial Code to establish that it was the lawful holder of the note, entitled to enforce its terms. The note was a negotiable instrument subject to the provisions of Chapter 673, Florida Statutes (2008). An indorsement requires a “signature.” § 673.2041(1), Fla. Stat. (2008). As an agent of First Magnus, Alday’s hand printed signature was an effective signature under the Code. See §§ 673.4011(2)(b), 673.4021, Fla. Stat. (2008). The indorsement in this case was not a “special indorsement,” because it did not “identify] a person to whom” it made the note payable. § 673.2051(1), Fla. Stat. (2008). Because it was not a special in-dorsement, the indorsement was a “blank indorsement,” which made the note “payable to bearer” and allowed the note to be “negotiated by transfer of possession alone.” § 673.2051(2), Fla. Stat. (2008). The negotiation of the note by its transfer of possession with a blank indorsement made Aurora Loan the “holder” of the note entitled to enforce it. §§ 673.2011(1), 673.3011(1), Fla. Stat. (2008).

There is no issue of authentication. The borrower did not contest that the note at issue was the one he executed in the underlying mortgage transaction. With respect to the authenticity of the indorsement, the note was self authenticating. Subsection 90.902(8), Florida Statutes (2008), provides that “[cjommercial papers and signatures thereon and documents relating to them [are self authenticating], to the extent provided in the Uniform Commercial Code.” Subsection 673.3081(1), Florida Statutes (2008), provides that “[i]n an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings.” Nothing in the pleadings placed the authenticity of Alday’s signature at issue.

We distinguish BAC Funding Consortium Inc. ISAOA/ATIMA v. Jean-Jacques, 28 So.3d 936 (Fla. 2d DCA 2010), on its facts. In that case, the second district reversed a summary judgment of foreclosure where the plaintiff seeking foreclosure filed no supporting affidavits and the original note did not identify the plaintiff as its holder. Id. at 938-39. The court explained its holding by pointing out that the plaintiff had failed to offer “evidence of a valid assignment, proof of pur[*934] chase of the debt, or evidence of an effective transfer.” Id. at 939. Unlike the plaintiff in BAC Funding, Aurora offered both affidavits and the original note with a blank endorsement that supported its claim that it was the proper holder of the note and mortgage.

Affirmed.

GROSS, C.J., and POLEN and STEVENSON, JJ., concur.