Kerrie Jordan is the next witness to be called by the government. She and her husband were the purchasers of 211 E. Whispering Hills Blvd, in Lone Jack, MO from Jeff Miller and Star Land Development.
Ms. Jordan testified that in April, 2006, her husband saw an online ad for homebuyers with poor credit. They had had a bankruptcy and struggled with some bounced checks and late payments. Jay Jordan telephoned and spoke with Steve Vanatta. Vanatta told him where the homes were in Lone Jack, that several were under construction, unlocked and encouraged the Jordans to go pick out the one they liked.
The Jordans looked at the homes for sale. There were Star Land and Development throughout the Whispering Hills subdivision. From the home at 211 Whispering Hills, they called Vanatta and subsequently Miller's office, speaking with Sandra Jo Harris (Sam). Sam indicated there were two other couples looking at this home and she could only hold it for them until 4:00 p.m. that day. Harris faxed a contract to Ms. Jordan's place of employment. The jury is shown the contract whose terms were a sales price of $200,000 and an $8,000 dollar down payment payable to Hallie Irvin's LLC, HCI. After they got off work that day, the Jordans met Harris at the Whispering Hills home and gave her a check for $8000, telling Harris not to cash it until Jay Jordan could fund it with a loan from his 401K.
At the urging of Sandra Jo Harris, the Jordans notified their landlord that they would be moving before May 31,2006. They were referred to James Sparks to apply for a loan. Qualifying for the loan became difficult. Unbeknownst to the Jordans, the appraisals for the property did not support the purchase price. Sparks was having trouble getting approval because of the credit problems.
Despite not having a loan committment, the Jordan's moved into the Whispering Hills home on May 27, 2006.
Ms. Jordan is shown a certificate of occupancy by the City of Lone Jack (MO). It is dated June 8, 2006. Asked whether the Jordans were present when the Building Inspector came to the house, Ms. Jordan replied, no.
Kerrie Jordan testified that they noticed construction defects in the house; the sewer line was not connected causing sewage to leak into their yard, the plumbing leaked into carpeted rooms, the kitchen island wasn't attached, the deck swayed side to side and was not fastened to the house, no screens for any windows or sliding doors, there was paint on the floors and windows, holes in the drywall, missing trim and a gap in the front door.
Miller attorney Bradshaw objected to Ms. Jordans' testimony of shoddy construction and after counsel met with Judge Robinson, she admonished the jury that this matter did not include charges of consumer or construction fraud.
By June 15th, 2006 there was still no loan approval for the Jordans. Sandra Jo Harris was communicating regularly with the Jordans and told them they would need to pay $54.25 a day to Star Land as rent. Ms. Jordan testified that the delay was that one appraiser called the home a one bedroom above grade while the other appraiser called it a 3 bedroom home. The same floorplan next door appraised for $30,000 less than the selling price of the Jordans' home.
Mr. Hathaway introduces a second sales contract for 211 Whispering Hills. The price is $220,000. Ms. Jordan is asked whether the signature on the second contract is hers. 'No and that is not the signature of my husband, either.'


Rachel Dollar, the editor of Mortgage Fraud Blog is an attorney and Certified Mortgage Banker who handles litigation for lending institutions and secondary market investors.