court’s order granting summary judgment in favor of Household Finance Corporation m the mortgage foreclosure action filed by Household against the Morronis. The Morronis raised three points on appeal. The first two points are without merit, but the third point warrants reversal. On February 17, 2004, Household filed a motion for summary judgment. On March 2, 2004, the Morronis filed a memorandum of fact and law in opposition to the motion. The memorandum pointed out the twenty-eight affirmative defenses raised by the Morronis and that Henry Morroni had filed an affidavit in opposition to an earlier motion for summary judgment filed by Household in 2001. Despite the affidavit and the affirmative defenses, the trial court granted summary judgment, finding that no 1080 (Fla. 2d DCA 2002) (<HOLDING>). In addition, the trial court should have
holding that the party seeking summary judgment must not only establish that no genuine issues of material fact exist as to the partys claims but must also either factually refute the affirmative defenses or establish that they are legally insufficient holding that in order for the movant to prevail on a summary judgment motion movant must either factually refute the affirmative defenses or establish that they are legally insufficient holding that summary judgment motion itself must expressly present reasons entitling movant to summary judgment holding that in summary judgment proceeding movant may prevail by averring that nonmoving party cannot establish an element essential to her case holding that if the movant cannot demonstrate conclusively that the nonmovant cannot prevail summary judgment is precluded