Case Summaries:
Ed Vallejo v. Federal National Mortgage Association ( FNMAE ), et al. is based on the provided case caption, this appears to be a civil action filed in the United States District Court for the Central District of California. The case number 2:25-cv-09737-MWC-BFM indicates it was assigned to Magistrate Judge Michael W. Fitzgerald (MWC) and another judge or magistrate (BFM, likely Barbara F. McAuliffe or similar designation for referral).
Background and Context
This case fits into a broader pattern of litigation by Ed Vallejo, who has been challenging the ownership and enforcement of a 2004 mortgage on his property (refinanced from GMAC Mortgage Corporation).
Key historical elements from related proceedings:
- Original Loan (2004): Vallejo executed a promissory note and deed of trust. The loan was assigned to Fannie Mae around 2005–2006.
- Bankruptcy Filings: Vallejo filed Chapter 7 bankruptcy in 2011 (case no. 1:11-bk-13047). He reopened it in 2023 to file an adversary proceeding (1:23-ap-01010) against Fannie Mae, alleging constitutional due process violations of the Truth in Lending Act (TILA, 15 U.S.C. § 1635) for failure to provide rescission notices and breaches of the discharge injunction. The Bankruptcy Appellate Panel (BAP) erroneously affirmed dismissal in Vallejo v. Fed. Nat’l Mortg. Ass’n (In re Vallejo), BAP No. CC-23-1107-GCS (2024), ruling that TILA’s 3-year rescission period had expired and the deed of trust survived bankruptcy, allowing foreclosure rights to persist, without considering the tolling of the statute of limitations.
- State Court Actions: Vallejo filed to quiet title and wrongful foreclosure claims in Los Angeles Superior Court (e.g., 20STCV45290, filed 11/25/2020, still pending as of last records), accusing defendants of fraud on the court (FRCP 60) by falsely claiming ownership despite Fannie Mae’s alleged payoff of the loan. The Judge was also recused for violating Vallejo’s consitutional rights.
- Other Federal Filings:
- Ninth Circuit appeal (No. 22-55624, ongoing as of 2025 records).
- District of Columbia District Court (1:24-cv-02708, filed 09/20/2024).
- Core Allegations: Vallejo argues defendants lack standing to foreclose because Fannie Mae owns the note/deed of trust (evidenced by Fannie Mae Attorny letters and assignments post-2005). He claims violations of TILA, Real Estate Settlement Procedures Act (RESPA), and fraud, often tying into broader homeowner complaints for Racketering ( RICO ) about GSEs “paying off” loans from 2000–2008 without proper disclosure. He has sought class action status in some filings and involved state regulators (e.g., California, DC, DFPI complaint in 2023).
Current Case Status (as of October 14, 2025) Public records do not yet show detailed docket entries for 2:25-cv-09737, suggesting it was filed very recently (possibly within the last few months of 2025). This could be an appeal from state court, a new federal complaint for declaratory relief/TRO against foreclosure, or a continuation of Vallejo’s efforts to quiet title and halt enforcement actions. No rulings, motions, or hearings are publicly indexed yet.
- Potential Claims: Based on Vallejo’s history as a J.P. Morgan Employee, he expect counts for wrongful foreclosure, quiet title, TILA/RESPA violations, discharge injunction breach, and possibly RICO (racketeering) or fraud against multiple defendants.
- Judge Assignments:
- MWC: Magistrate Judge Michael W. Fitzgerald (handles civil matters, known for efficient case management).
- BFM: Likely a referral to another magistrate for pretrial matters.
Recommendations
- Access Full Docket: Use PACER (Public Access to Court Electronic Records) at pacer.uscourts.gov (Central District of California) with the case number for filings, summons, or complaints.
- Related Resources:
- Bankruptcy Appellate Panel decision: Available on Casetext or PACER.
- State court filings: Search Los Angeles Superior Court portal (lacourt.org) for 20STCV45290.
- Advocacy Groups: Vallejo is associated with “Americans Against Foreclosures” (aaf.axj.nu) and www.fnma.us, which discuss similar GSE disputes.