Chapter 4: The Key to Our Dream House
I should have opened the attachment immediately.
Instead, I stared at Alicia for nearly a minute, watching her eyes move between my face and the phone in my hand.
She looked like someone waiting for a bomb to go off.
“Tell me what I'm about to see,” I said.
Alicia shook her head.
“I can't explain something you haven't even looked at.””
“Then why did you ask me not to open it?””
“Because whoever sent that email is trying to destroy us.””
I almost laughed.
“Someone has taken our savings, forged my signature, and apparently involved you in something you don't want me to know about. You don't need an anonymous email to destroy this marriage, Alicia. You're doing a pretty good job yourself.””
She flinched.
I tapped the attachment.
A file opened on my screen. It contained several scanned documents, a photograph, and a short video.
The photograph loaded first.
For a moment, I didn't understand what I was looking at.
A woman stood beside a white picket fence, wearing a gray sweater and dark jeans. Her hair was tied back, and she was holding something small in her right hand.
A brass key.
The man standing opposite her wore a navy jacket.
Peter Hale.
I'd never met him, but I recognized his face from the profile photograph attached to the Northstar emails.
The woman was Alicia.
The background made my chest tighten.
White siding. Black shutters. A deep front porch. A blue front door with a brass knocker.
I knew that house.
It was the house on Hawthorne Lane.
The one we'd visited seven weeks earlier.
The one with the oak tree beside the driveway, the sunroom overlooking the backyard, and the little upstairs room Alicia had immediately declared perfect for a nursery.
We had stood in that room holding hands.
I'd watched sunlight spill across the hardwood floor while she talked about where we'd put the crib.
We'd discussed the mortgage, the inspection, and how much we'd need to keep in reserve after the down payment.
We had even joked about the old kitchen cabinets.
“We can replace those in a year,” she'd said.
I'd kissed her forehead.
“A year?””
“Fine. Two years. I need to be realistic.””
We'd laughed all the way back to the car.
Now I stared at a photograph of my wife handing a key to another man outside that same house.
“What is this?”” I whispered.
Alicia sat on the bed.
“Marcus—”
I enlarged the photograph.
The timestamp in the bottom corner was dated seven weeks earlier, three days after our second viewing.
“You told me the real estate agent needed the key for the inspector.””
She looked down.
“I know.””
“You said the inspector went alone.””
“I know what I said.””
“Then why is Peter holding the key?””
She didn't answer.
I opened the next document.
It was an authorization form from the real estate agency.
The property address was printed at the top.
*18 Hawthorne Lane.*
Below it, a paragraph stated that the prospective buyers authorized a third-party property consultant to conduct a preliminary condition assessment and valuation.
The buyers' names appeared in the first section.
Alicia Reed.
Marcus Reed.
At the bottom were two signatures.
Alicia's was unmistakable.
The other looked like mine.
It wasn't.
I had signed enough contracts, loan applications, and building approvals in my life to recognize my own handwriting. My signature began with a large, slightly crooked M. The last letter in Reed always ended in a short upward flick.
The signature on the document had a smooth, deliberate curve.
Someone had practiced making it look like mine.
I turned the screen toward Alicia.
“Did you sign this?””
“Yes.””
“Did I?””
She stared at the document.
“No.””
“Then why is my name here?””
“Peter said the agency needed both signatures before they would let him inspect the property.””
“So you forged my signature?””
“No! I didn't sign your name.””
I held the screen between us.
“Someone did.””
“I gave Peter our information, but I never told him to copy your signature.””
“You gave him our personal information?””
She covered her face.
“Marcus, please.””
I stood and walked toward the window.
Outside, the afternoon had begun to darken. Clouds were gathering over the rooftops, turning the glass a dull gray.
I could still see our reflection in the window.
Me, standing with my phone.
Alicia, sitting on the edge of the bed.
The distance between us looked larger than the room.
“Why did Peter need access to the house?”” I asked.
She wiped her cheeks.
“He told me he worked with investors who could help us get the property.””
“Investors?””
“He said he knew people who bought houses before they were listed. Sometimes they purchased them through companies, made improvements, and sold them later.””
I turned around.
“We had already made an offer.””
“Our offer was still conditional. The seller was considering other options.””
“Our offer was accepted.””
“Subject to financing and the final inspection,” she said quickly.
“Nothing was completed.””
“So you gave Peter access to a house we were trying to buy because he promised he could help us get it?””
She nodded.
“And you didn't tell me.””
“I wanted to surprise you.””
I stared at her.
“Surprise me with what? A house I thought we were buying together, while you secretly let a man I had never met inside it?””
“He said he could negotiate directly with the seller. He said there might be a way to reduce the price if the repairs were less extensive than the inspector expected.””
“Why would that require my forged signature?””
“I didn't know he was going to do that.””
“Why did you give him the key?””
“Because I thought he needed to look at the property.””
I paced to the foot of the bed.
Every answer created another question.
“And how does any of this connect to Northstar?””
Alicia looked at the folder.
For several seconds, I thought she might refuse to answer.
Then she whispered, “Peter said the house was connected to the investment.””
My hands went cold.
“What does that mean?””
“He told me Northstar was negotiating to buy the property as part of a larger real estate portfolio. He said they could make an offer through their company and then sell it to us at a lower price.””
I stared at her.
“You believed a company could buy our dream house and then sell it back to us for less than the seller was asking?””
“He said it was a private arrangement.””
“And the money you sent Northstar?””
“Some of it was supposed to secure the arrangement.””
The words landed with a sickening finality.
The investment.
The mysterious company.
The key.
The forged signature.
They weren't separate disasters.
They were pieces of the same one.
I returned to the bed and opened the video.
It was recorded by a security camera overlooking the front porch.
The footage showed Alicia standing beside the blue door, holding a piece of paper.
Peter arrived in a dark sedan.
He said something to her that the camera couldn't capture.
She looked toward the street, then unlocked the door.
They went inside.
Twenty minutes later, Peter emerged carrying a brown envelope.
Alicia followed him.
She locked the door and handed him the key.
He placed it in his pocket.
Then he touched her arm.
She smiled.
Not the polite smile she gave strangers.
Not the tight expression she wore during difficult conversations.
It was a smile I hadn't seen directed at me in months.
I paused the video.
“Did you sleep with him?””
Her face changed instantly.
“What?””
“You were meeting him alone. You gave him access to our house. You gave him our information. You smiled at him like—”
“No!””
“Did you sleep with him?””
“No, Marcus. I swear to you, I never slept with Peter.””
“Did you kiss him?””
“No!””
I watched her carefully.
She was crying again, but this time there was anger in her expression.
“Why do you keep asking me that?””
“Because I don't know what to believe anymore.””
She got to her feet.
“I did something terrible. I know that. But I never slept with Peter.””
I looked down at the photograph.
“Then why did he have a key to a house we hadn't even purchased?””
“Because I gave it to him!””
Her voice cracked so loudly that we both went silent.
She pressed both hands against her chest.
“I trusted him. I believed he could help us. I wanted that house so badly, Marcus. I wanted to see your face when I told you we'd gotten it.””
“You could have just talked to me.””
“You would have said no.””
“Because I don't hand strangers the keys to our future!””
She turned away.
For a moment, neither of us spoke.
Then I noticed another page in the attachment.
The heading read:
*OPTION TO PURCHASE AND ASSIGNMENT OF EQUITABLE INTEREST.*
I scanned the first paragraph.
It referred to 18 Hawthorne Lane.
The second paragraph mentioned Northstar Property Holdings LLC.
The third stated that the prospective buyers had agreed to grant the company a temporary option to acquire the property, subject to certain conditions.
I read the fourth paragraph.
Then I read it again.
The document listed our savings account as the source of funds for the proposed purchase.
It also stated that the company could use the buyers' financial information to demonstrate proof of funds to third parties.
I looked at the signature page.
My name appeared beside Alicia's.
Beneath it was the date.
Seven weeks earlier.
“What did you sign?”” I asked.
Alicia came closer.
The moment she saw the page, she stopped.
“I never saw that version.””
“What does that mean?””
“Peter showed me a different document.””
“What was different about it?””
“He said it was an authorization to let Northstar negotiate with the seller. He told me it didn't transfer any ownership rights.””
I pointed at the paragraph.
“This says the company can use our financial information as proof of funds.””
“I didn't know that.””
“This says we agreed to give the company an option involving the property.””
“I didn't know!””
“And my signature is on it.””
She shook her head, crying.
“I didn't sign that page.””
I stared at her.
“You signed something.””
“Yes.””
“You gave him a key.””
“Yes.””
“You gave him access to our financial information.””
“Yes.””
“You sent him almost all our savings.””
“Yes.””
“And now you want me to believe you had no idea any of this was happening?””
“I want you to understand that I didn't know what he was planning!””
I walked away from her.
For several minutes, all I could hear was her breathing and the distant rumble of thunder.
Then I returned to the document.
At the bottom was a section listing the people authorized to act for Northstar.
Peter Hale was first.
A second name appeared beneath his.
I had never heard it before.
*Alicia M. Reed — Authorized Representative.*
I turned the phone toward her.
“Why are you listed as an authorized representative of Northstar?””
Her mouth fell open.
She looked at the name as if it belonged to a stranger.
“I never agreed to be a representative.””
“Your name is here.””
“I know what it says!””
“Then explain it.””
She grabbed the document and scanned the page.
Her eyes moved rapidly from one paragraph to another.
Then she whispered, “Oh, my God.””
“What?””
She raised her head.
“Peter told me the authorization was only for the house.””
I felt the room tilt.
“What authorization?””
“The one I signed when I gave him the key. He said he needed permission to negotiate on our behalf. He said it was a standard form.””
I looked at the document again.
The property address wasn't the only information on the page.
A second section named a different property.
A commercial building.
The one Alicia had supposedly invested in.
And beside the building's address, a sentence had been highlighted in yellow.
*The undersigned parties acknowledge that the listed properties may be used as supporting assets in connection with Northstar Property Holdings LLC's financing arrangements.*
I read the sentence aloud.
Alicia sank back onto the bed.
For the first time, she looked genuinely terrified.
“Marcus,” she whispered, “I think he used our house to get money from someone else.””
My phone vibrated.
A new message had arrived from the same unknown sender.
There were only three lines.
*The house isn't the only property involved.*
*Check the county records for your own address.*
*Someone filed a document against your current home this morning.*
I stared at the message.
Then I looked at Alicia.
“Whose name is on the filing?””
She began shaking her head before I could finish.
“I don't know.””
But something in her voice told me she feared she did.
And when I opened the county records, I discovered that someone had attempted to use our current address as collateral for a loan.
The application listed two names.
May you like
Mine.
And Alicia's.