▣ Entered for record · 204 TruittMilford · Kent CountyStatus · Active review

Property File Active

204 Truitt Avenue

A documentary review of the FHA-financed acquisition of 204 Truitt Avenue in Milford, Delaware, organized around the loan origination, closing funds, gift-fund representations, recorded instruments, servicing history, forbearance, and foreclosure-related communications. The purpose of this collection is to reconcile what each record says—not to force a conclusion before the complete file is assembled.

Exhibits indexed

Line items cataloged

Property record

Record map

26 exhibits · grouped by transaction phase

Acquisition and origination

Purchase, borrower, lender, and agency records

The purchase agreement, FHA-related loan file, borrower disclosures, origination records from Evolve Bank and Trust, communications involving Evolve contact Theresa Duncan, and real-estate representation associated with Lillian Harrison.

Working allocation · 6 exhibits

Indexing

Closing funds and representations

Source of funds, money orders, title-loan proceeds, and gift records

A line-by-line reconciliation of funds used or represented at closing, including title-loan proceeds, USPS money orders, Taylor Truitt's documented contributions, and any document identifying a contributor or gift donor.

Priority allocation · 9 exhibits

Priority

Recorded instruments and occupancy

Deed, mortgage, certifications, and property-use representations

The recorded deed and mortgage are compared with the lender and settlement file, including signatures, dates, acknowledgments, occupancy language, and any representation about who would reside at or contribute to the property.

Working allocation · 5 exhibits

Queued

Servicing and foreclosure history

Mr. Cooper servicing, forbearance, payment changes, and later statements

Servicing-transfer records, communications involving Mr. Cooper contact Steve Safavi, a forbearance lasting more than one year, the later monthly-payment reduction, and preserved communications concerning foreclosure are placed into one dated sequence.

Working allocation · 6 exhibits

Queued

Collection Rule

A mismatch is not labeled fraud merely because it is unusual. Each issue is presented as a comparison between identified records: what the application states, what the closing file states, what the recorded instruments state, what the bank or servicer states, and what the underlying payment documents establish.

Exhibit EX-02

Linda Vista Real Estate Services — Entity and Brokerage Registration Questions.

The Claim

“Linda Vista Real Estate Services” has never existed as a registered entity in Delaware.

$10,175.00

collected under that name at closing — a $295.00 Real Estate Admin Fee paid by the borrower, a $4,940.00 Seller's Commission, and a $4,940.00 Buyer's Commission, both paid by the seller. Disbursed by Parkway Law via wire transfer. Source: Loan Disbursement Instructions, Loan #4752202195126, ICE Mortgage Technology, dated 05/06/2022, pages 2–3.

Verification Record

July 1, 2026

Delaware Division of Corporations — entity name search, “Linda Vista”

No Match 13 Delaware entities returned; none named “Linda Vista Real Estate Services.”

July 1, 2026

OpenCorporates — company search, “linda vista real estate services”

No Delaware Match One result: a California LLC, unrelated jurisdiction.

July 1, 2026

OpenCorporates — entity record, Linda Vista Real Estate Services, LLC (CA #200522710001)

Not Delaware, Not Active Confirms California jurisdiction; terminated April 20, 2011.

July 1, 2026

OpenCorporates — entity record, Linda Vista Business Services LLC (DE File #7735152)

Different Entity The only Delaware “Linda Vista” LLC on file is a registered-agent service, agent Francis Esparza — not a brokerage.

July 13, 2022

Delaware DELPROS — broker credential verification, License RS-0022665

No Broker License License holder Jose Quinones, classified Salesperson, status Closed — not a broker license.

5 Checks · 2 Registries · 3+ Years · 0 Matches.

Priority Questions

What the record must answer.

Funds

Can every dollar used at closing be matched to its actual source?

The closing disclosure, settlement ledger, bank records, title-loan proceeds, money orders, and contributor records should reconcile without unexplained substitutions.

Gift representation

Do the gift-fund documents accurately identify the donor, amount, timing, and authorization?

Taylor Truitt's documented contributions are separated from any representation made in Taylor's name so that the two can be compared directly.

Consent and signatures

Did each person authorize the use of their name, funds, and stated relationship?

The collection will distinguish a verified signature or direct communication from a statement attributed to someone by another person.

Recorded file

Do the deed and mortgage agree with the lender and settlement records?

Names, dates, consideration, acknowledgments, occupancy provisions, and attached certifications are compared across the complete transaction file.

Servicing

Can the forbearance, payment reduction, and foreclosure-related communications be reconstructed chronologically?

Servicer notices, account histories, statements, and direct communications are treated as separate records and then reconciled.

Record Anchors

Known documents and participants.

Name or entity	Documented role	Collection use
Rouena “Ro” Konkiel	Borrower / homeowner	Borrower-side loan, title, servicing, and property records.
Taylor Truitt	Contributor / named gift source	Documents concerning the $1,000 April 2022 contribution, the earlier $1,850 contribution, and any representation made in Taylor's name.
Evolve Bank and Trust	Origination lender	Loan application, underwriting, funding, and closing-related records.
Theresa Duncan	Evolve contact	Direct communications and lender-side chronology.
Lillian Harrison	Real estate agent	Purchase and closing communications, receipt or transfer of closing-related funds, and transaction chronology.
Mr. Cooper	Mortgage servicer	Transfer, payment, forbearance, modification, and foreclosure-related records.
Steve Safavi	Servicing contact	Direct servicing communications and account-history context.

Full Evidence Packet

The complete submission, as filed.

These two documents are the organizing index for this collection: the Evidence Summary and Exhibit Guide indexes all 26 numbered exhibits referenced throughout this page, prepared for HUD Office of Inspector General review. The Supplemental Exhibits document adds two further exhibits — Mr. Cooper correspondence concerning a fraud-related forbearance request, and a Proton account-event export and IP comparison analysis — obtained after the main packet was submitted.

Source Documents

204 Truitt Avenue Evidence Summary and Exhibit Guide PDF · View Evidence Summary and Exhibit Guide — original DOCX · Download Supplemental Exhibits A and B PDF · View Supplemental Exhibits A and B — original DOCX · Download

Publication Status

Index first. Findings second.

The collection page is live as an organized record map while the individual exhibits are being normalized, numbered, and linked. A document will be marked Posted only when the public copy, source description, relevant page reference, and claim supported by that document have all been verified.

Delaware Recollection Society · 204 Truitt Avenue Property File
Working standard: Record first, pattern second, conclusion last.
Status labels: Posted · Indexed · Queued · Withheld pending verification.