John and Dyann Skelton appeal from a district court order affirming a bankruptcy court order that granted summary judgment in favor of Urban Trust Bank Cenlar FSB. We apply “the same standards of review to the bankruptcy court’s findings of fact and conclusions of law as applied by the district court.” 1 Having reviewed the parties’ briefing on appeal and the underlying record, we conclude that the Skel-tons’ arguments are unavailing. The order and judgment of the bankruptcy court are AFFIRMED for essentially the reasons stated in the district court’s opinion.