Plaintiff alleged causes of action for promissory estoppel, negligence, fraud, breach of contract, and wrongful foreclosure against a mortgage loan servicer and loan investor. The claims were based on two different theories, that the servicer misapplied the HAMP guidelines and improperly denied plaintiff for a HAMP modification, and that the servicer orally promised to change the terms of a different loan modification but did not so. The Sacramento Superior Court granted summary judgment in favor of the mortgage loan servicer and loan investor and dismissed all of the plaintiff’s claims.