*563 MEMORANDUM **

Allana Baroni appeals the Bankruptcy Appellate Panel’s (BAP) decision affirming the bankruptcy court’s grant of summary judgment to Wells Fargo. We have jurisdiction under 28 U.S.C. § 158(d)(1).

The undisputed facts in the record established that Wells Fargo possessed Bar-oni’s promissory note indorsed in blank. As the holder of a negotiable instrument, Wells Fargo is entitled to enforce the note in Baroni’s bankruptcy case. Cal. Com. Code §§ 1201(b)(21)(A), 3301.

Baroni now argues that notes secured by a deed of trust to real property are nonnegotiable and that the statute of frauds prohibits Wells Fargo from enforcing the note. Because she failed to raise these arguments to the bankruptcy court or BAP, they are waived. In re Mercury Interactive Corp. Sec. Litig., 618 F.3d 988, 992 (9th Cir. 2010). In any event, both arguments lack merit.

First, a negotiable instrument may be accompanied by a deed of trust. Cal. Com. Code § 3104(a)(3); Wilson v. Steele, 211 Cal. App. 3d 1053, 1061, 259 Cal.Rptr. 851 (1989).

Second, the failure to satisfy the statute of frauds merely renders a contract voidable, not void. Masin v. Drain, 150 Cal. App. 3d 714, 717, 198 Cal.Rptr. 367 (1984). Baroni lacks standing to challenge assignments as voidable. See Yvanova v. New Century Mortg. Corp., 62 Cal. 4th 919, 939-40, 199 Cal.Rptr.3d 66, 365 P.3d 845 (2016).

Finally, because we hold that Wells Fargo is entitled to enforce the note as the holder of a negotiable instrument, we do not address whether it could alternatively enforce the note through an unbroken chain of title, 1

AFFIRMED.