▣ Entered for record · 204 TruittMilford · Kent CountyStatus · Active review
Delaware Recollection Society
Delaware Recollection Society › 204 Truitt Avenue
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.

28
Exhibits indexed
82
Line items cataloged
1
Property record

Record map

28 exhibits · grouped by transaction phase
01
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 · 8 exhibits
Indexing
02
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
03
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
04
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.

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 entityDocumented roleCollection use
Rouena “Ro” KonkielBorrower / homeownerBorrower-side loan, title, servicing, and property records.
Taylor TruittContributor / named gift sourceDocuments concerning the $1,000 April 2022 contribution, the earlier $1,850 contribution, and any representation made in Taylor's name.
Evolve Bank and TrustOrigination lenderLoan application, underwriting, funding, and closing-related records.
Theresa DuncanEvolve contactDirect communications and lender-side chronology.
Lillian HarrisonReal estate agentPurchase and closing communications, receipt or transfer of closing-related funds, and transaction chronology.
Mr. CooperMortgage servicerTransfer, payment, forbearance, modification, and foreclosure-related records.
Steve SafaviServicing contactDirect servicing communications and account-history context.

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.