“He legally cannot,” Samantha confirmed.

“Which is precisely why the lender contacted the title insurance company when their routine verification process uncovered major inconsistencies.”

“Did he forge my signature on this paper?” I asked, leaning closer to inspect the document.

“No, he did not,” Samantha pointed out, pointing to the signature block.

I looked closely at the page.

The application form had been filled out initially but was never fully completed or submitted.

My full name was typed neatly under the section labeled co-owner and spouse, but there was no signature on the line, no notary stamp, and no final submission mark.