Samantha tapped her finger against the paper.

“It appears that this application was abandoned the moment the commercial lender demanded hard proof that Gavin held a legal ownership interest in the house.”

“So he genuinely tried to use my home as financial collateral behind my back,” I stated.

“He made a formal inquiry to see if he could pull it off,” Samantha phrased it carefully.

“That sounds like a very polite legal way of saying the exact same thing,” I countered softly.

“It is simply the legally precise way to state the facts,” she replied smoothly.