Both Andrew and Geo are liars, pure and simple. My students have won motions to dismiss many times. Usually, when they win, it is because the plaintiff's own pleading proves they have no Standing.
Once it gets dismissed, the plaintiff will usually try to clean up the case and file again. To clean up the case, they will have to manufacture phony documents, which puts them in an even deeper hole.
Your give no cases or authority in support of your nonsense. Geo gives U.S. Supreme Court cases that prove you are a liar!
Even if Andrew and Geo were wrong about the standard used to decide these cases, others have shown that the worst possible strategy is to prematurely succeed in getting a dismissal using a motion to dismiss. The better strategy is to let as much time pass as possible to keep the borrower in their home and to let time run under the statute of limitations.
Your suggestion that a borrower seek dismissal by a motion to dismiss is clearly wrong on all counts and shows that you are just a corrupt scam artist with no real knowledge of the law.