MORTGAGE RESEARCH CENTER LLC v. MOWER et al

UNITED STATES DISTRICT COURT
DISTRICT OF MAINE
Mortgage Research Center, LLC d/b/a
Veterans United Home Loans, a Missouri
Limited Liability Company
CIVIL ACTION NO: 1:25-cv-00249-SDN
Plaintiff 	CONSENT JUDGMENT OF
FORECLOSURE AND SALE
vs. 	RE:
465 Grant Road, Corinth, ME 04427
Picabo Mower and Dylan Mower 	Mortgage:
March 30, 2020
Book 15485, Page 138
Defendants
Bangor Federal Credit Union
Party-In-Interest
This matter came before the Court for a testimonial hearing on Plaintiff's Motion for
Default Judgment on February 10, 2026. Plaintiff, Mortgage Research Center, LLC d/b/a Veterans
United Home Loans, a Missouri Limited Liability Company, was present and represented by Reneau
J. Longoria, Esq. Defendant Dylan Mower appeared and consented to Judgment of Foreclosure and
Sale; Party-In-Interest, Bangor Federal Credit Union has consented to Judgment of Foreclosure and
Sale.
All persons interested having been duly notified in accordance with the law, and after
hearing, the Plaintiff's Motion for Default Judgment is GRANTED. Count II - Breach of Note,
Count III - Breach of Contract, Money Had and Received, Count IV - Unjust Enrichment are
hereby DISMISSED without prejudice at the request of the Plaintiff. JUDGMENT on Count I –
Foreclosure and Sale is hereby ENTERED as follows:
1. 	If the Defendants or their heirs or assigns pay Mortgage Research Center, LLC d/b/a
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Veterans United Home Loans, a Missouri Limited Liability Company (“Mortgage
Research Center”) the amount adjudged due and owing ($240,728.31) within 90 days of
the date of the Judgment, as that time period is calculated in accordance with 14
M.R.S.A. § 6322, Mortgage Research Center shall forthwith discharge the Mortgage and
file a dismissal of this action on the ECF Docket. The following is a breakdown of the
amount due and owing:
Description 	Amount
Principal Balance 	$192,299.71
Interest 	$19,088.02
Unpaid Late Charges 	$642.74
Escrow Advance 	$17,269.53
Corporate Advance 	$11,428.31
Grand Total 	$240,728.31
2. 	If the Defendants or their heirs or assigns do not pay Mortgage Research Center the
amount adjudged due and owing ($240,728.31) within 90 days of the judgment, as that
time period is calculated in accordance with 14 M.R.S.A. § 6322, their remaining rights to
possession of the Corinth Property shall terminate, and Mortgage Research Center shall
conduct a public sale of the Corinth Property in accordance with 14 M.R.S.A. § 6323,
disbursing the proceeds first to itself in the amount of $240,728.31 after deducting the
expenses of the sale, with any surplus to be disbursed pursuant to Paragraph 5 of this
Judgment, and in accordance with 14 M.R.S.A. § 6324. Mortgage Research Center may
not seek a deficiency judgment against the Defendants pursuant to Plaintiff's waiver of
deficiency at trial.
3. 	In the event that the Defendant, and anyone occupying the premises, do not vacate the
property upon termination of his/her right to possession, Mortgage Research Center
may reopen this matter to seek a Writ of Assistance and/or Writ of Possession to be
served by the U.S. Marshals Service pursuant to Federal Rule of Civil Procedure 4.1(a)
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consistent with this Judgment.
4. 	Pursuant to 14 M.R.S.A. § 2401(3)(F), the Clerk, if requested, shall sign a certification
after the appeal period has expired, certifying that the applicable period has expired
without action or that the final judgment has been entered following appeal.
5 	The amount due and owing is $240,728.31.
6 	The priority of interests is as follows:
● Mortgage Research Center, LLC d/b/a Veterans United Home Loans, a Missouri
Limited Liability Company has first priority, in the amount of $221,790.13, pursuant
to the subject Note and Mortgage.
● Bangor Federal Credit Union has the second priority behind the Plaintiff pursuant
to a Writ of Execution dated October 10, 2024, in the amount of $22,245.56, and
recorded in the Penobscot County Registry of Deeds in Book 17312, Page 56.
● Picabo Mower and Dylan Mower have the third priority behind the Plaintiff.
7. 	The prejudgment interest rate is 3.50000%, see 14 M.R.S.A. § 1602-B, and the post-
judgment interest rate is 9.5%, pursuant to 14 M.R.S.A. § 1602-C (the one year United
States Treasury bill rate is the weekly average one-year constant maturity Treasury yield,
as published by the Board of Governors of the Federal Reserve System, for the last full
week of the calendar year immediately prior to the year in which post-judgment interest
begins to accrue December 2025, 3.5% plus 6% for a total post-judgment interest rate
of 9.5%).
8. 	The following information is included in this Judgment pursuant to 14 M.R.S.A. §
2401(3):
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PARTIES 	COUNSEL
PLAINTIFF 	Mortgage Research Center, LLC
d/b/a Veterans United Home
Loans, a Missouri Limited
Liability Company
1400 Forum Blvd Suite 18
Columbia, MO 65203
Reneau J. Longoria, Esq.
Doonan, Graves & Longoria, LLC
100 Cummings Center
Suite 303C
Beverly, MA 01915
DEFENDANT
Dylan Mower
25 A Street
Bangor, ME 04401
Pro Se/Defaulted
Picabo Mower
25 A Street
Bangor, ME 04401
Pro Se/Defaulted
PARTIES-IN-INTEREST
Bangor Federal Credit Union
339 Hogan Rd
Bangor, ME 04401
Hockenbury, Michael A.
84 Harlow Street
PO Box 1401
Bangor, ME 04402
a) 	The docket number of this case is No. 1:25-cv-00249-SDN.
b) 	All parties to these proceedings received notice of the proceedings in accordance
with the applicable provisions of the Federal Rules of Civil Procedure.
c) 	A description of the real estate involved, 465 Grant Road, Corinth, ME 04427, is set
forth in Exhibit A to the Judgment herein.
d) 	The street address of the real estate involved is 465 Grant Road, Corinth, ME 04427.
The Mortgage was executed by the Defendants, Dylan Mower and Picabo Mower on
March 30, 2020. The book and page number of the Mortgage in the Penobscot
County Registry of Deeds is Book 15485, Page 138.
e) 	This judgment shall not create any personal liability on the part of the Defendants
but shall act solely as an in rem judgment against the property, 465 Grant Road,
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Corinth, ME 04427. Mortgage Research Center will not seek a deficiency judgment
against the Defendants.
SO ORDERED.
Dated: February 11, 2026
/s/ Stacey D. Neumann
U.S. District Judge
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