Andrea Benson v. Chad Huggins

Court of Chancery of Delaware·Decided January 21, 2026·No. C.A. No. 2024-1022-BWD·Published

Opinion

IN THE COURT OF CHANCERY OF THE STATE OF DELAWARE

ANDREA BENSON, )

)

Plaintiff, )

)

v. ) C.A. No. 2024-1022-BWD )

CHAD HUGGINS, )

)

Defendant. )

POST-TRIAL MEMORANDUM OPINION

Date Submitted: December 5, 2025 Date Decided: January 21, 2026

William M. Lafferty, Ryan D. Stottmann, C. Isaac Hopkin, MORRIS, NICHOLS, ARSHT & TUNNELL LLP, Wilmington, DE; Lesley F. Wolf and Avery Jue Meng, BALLARD SPAHR LLP, Wilmington, DE; Attorneys for Plaintiff Andrea Benson.

Gary E. Junge, SCHMITTINGER & RODRIGUEZ, P.A., Dover, DE; Attorneys for Defendant Chad Huggins.

DAVID, V.C.

In 2014, while the plaintiff and the defendant in this action were dating, the defendant purchased a home in Frederica, Delaware, using a VA loan. The plaintiff contends that she wanted to purchase the home for herself but could not qualify for a mortgage. So, according to the plaintiff, the parties orally agreed that the defendant would purchase the home in his name, but the plaintiff would be the equitable owner, assuming responsibility for all expenses associated with the home, and the defendant would transfer title to the home to the plaintiff as soon as she could obtain a mortgage in her own name.

When the parties broke up in early 2017, the plaintiff remained in the home and continued to make payments to the defendant to cover the monthly mortgage. To help the parties move on, the defendant agreed to transfer the home to the plaintiff if she could qualify for a mortgage within two years. The plaintiff failed to secure a mortgage within two years and rebuffed the defendant’s repeated efforts to convince her to buy the home, until the defendant took action to evict her, at which point she filed this action, eleven years after the alleged oral agreement and eight years after the parties’ breakup.

The plaintiff now seeks an order compelling the defendant to specifically perform his obligations under their alleged oral agreement by selling the home to her for the remaining balance of the mortgage. After a trial, I conclude that the plaintiff has failed to prove the existence of an oral agreement by clear and convincing

evidence, and that her related claims for relief likewise fail. Judgment is entered for the defendant.

I. BACKGROUND The following facts are as the Court finds them following a one-day trial held

on September 24, 2025.1 A. Defendant Purchases The Home With A VA Loan.

Andrea Benson (“Plaintiff”) and Chad Huggins (“Defendant”) began dating in 2013.2 At that time, Plaintiff, who lived in a two-bedroom apartment with her niece and nephew in Milford, Delaware,3 hoped to find a larger home for her family.4 By late 2013, Plaintiff and Defendant discussed moving in together.5 In early 2014, Plaintiff found a listing on Zillow for a house located at 16 E.

David Street in Frederica, Delaware (the “Home”).6 Plaintiff and Defendant toured the Home and decided to buy it.7 Believing Plaintiff would not qualify for a mortgage, Defendant purchased the Home for $132,000 using a VA loan with a

1 The Stipulation and Pre-Trial Order is cited as “PTO ¶ __”. Dkt. 42. Trial testimony is cited as “Tr. (Witness) at __”. Dkt. 46. Joint trial exhibits are cited as “JX __”. Dkt. 45. 2 PTO ¶ 11; Tr. (Benson) at 8:8–13.

3 Tr. (Benson) at 18:16–20.

4 Id. at 8:21–24.

5 Id. at 35:21–23.

6 Id. at 8:21–9:3; JX 9 at 2.

7 Tr. (Benson) at 9:7–24.

thirty-year term (the “VA Mortgage”).8 The VA Mortgage provided 100% financing for the Home without a down payment.9 According to Plaintiff, the parties agreed at that time that Defendant would purchase the Home in his name but Plaintiff would be the equitable owner of the Home, assuming responsibility for all expenses associated with the Home, and Defendant would transfer title to the Home to Plaintiff as soon as she could obtain a mortgage.10 Defendant disputes that the parties agreed to such an arrangement.11 He contends, instead, that he purchased the Home to live in with Plaintiff, whom he intended to marry.12 In June 2014, Plaintiff, with her mother, niece, and nephew, moved into the Home.13 Defendant moved into the Home after his return from military deployment

8 PTO ¶ 12; Tr. (Benson) at 10:5–20, 12:4–8, 45:17–18.

9 Tr. (Huggins) at 81:22–82:2.

10 Id. (Benson) at 10:15–20. Plaintiff paid $3,775 in closing costs at closing. See id. at 12:9–15; JX 2 at 1 (showing Plaintiff paid $3,275 to Defendant and $500 to ERA Harrington Realty Inc. in 2014); Pl.’s Post-Trial Submission [hereinafter PB] at 5, Dkt. 52. Defendant claims that he paid half of the closing costs as well. Tr. (Huggins) at 85:16– 86:6; Def. Chad Huggins’ Post-Trial Br. [hereinafter DB] at 19, Dkt. 51. 11 Tr. (Huggins) at 83:3–19.

12 Id. at 84:3–23 (“I was just trying to purchase a property for the family, because I knew her niece, her nephew, and her mother were coming along with that. So, as a man, I was just trying to provide a place to live.”). But see id. (Benson) at 58:7–59:10 (“I even at one point kind of expressed, like, how impossible it would be to get me to marry [him], you know. Like, you’d have to swim the Atlantic Ocean and go chisel a rock out of a cave in Egypt or Africa somewhere to get me a lavish pink diamond for me to say yes, so . . . .”). 13 Id. at 13:1–7, 56:7–10.

later that year.14 Plaintiff and Defendant lived in the Home together from 2014 to 2017.15 They became engaged in 2015.16 When Defendant refinanced the Home that year, Plaintiff was not a party to the refinancing.17 While Defendant resided in the Home, Plaintiff made payments to Defendant to cover half of the $800 monthly VA Mortgage payment and half of the utility bills.18 During periods when Defendant was deployed and not living in the Home, Plaintiff made payments to Defendant to cover the full amount of the VA Mortgage payment.19 B. The Parties Break Up And Plaintiff Remains In The Home.

The parties’ engagement ended and Defendant moved out of the Home by February 2017.20 Plaintiff and her family members remained in the Home.21 Plaintiff claims she stayed in the Home “because it was the understanding that it was [her] house.”22 Since 2017, Plaintiff has made payments to Defendant to cover the

14 Id. at 13:8–12.

15 PTO ¶ 15.

16 Tr. (Benson) at 56:15–21; id. (Huggins) at 86:7–9.

17 PTO ¶ 13.

18 Id. ¶¶ 16–17; Tr. (Benson) at 13:13–14:9.

19 Id. at 14:3–9.

20 Id. at 15:5–10, 59:19–60:22; PTO ¶ 14.

21 Tr. (Benson) at 15:8–13.

22 Id. at 15:14–19.

VA Mortgage each month and has paid all utility bills.23 She also has replaced appliances and made minor repairs in the Home.24 In February 2017, Plaintiff and Defendant met with a mutual friend and mortgage lender, Ed Rexroth, to come up with a plan for Plaintiff to purchase the Home so that the parties could move on.25 Defendant and Rexroth testified that during this meeting, Defendant agreed to sell the Home to Plaintiff for the remaining balance on the VA Mortgage if Plaintiff could purchase the Home from him within two years—i.e., by February 2019.26 Plaintiff did not purchase the Home by February 2019. In 2018 and 2019, Plaintiff met with Rexroth to discuss qualifying for a mortgage but was told both times that her reported earnings from bartending and waitressing did not qualify her for a loan.27

23 Id. at 16:6–21.

24 Id. at 17:9–19, 18:5–15, 77:13–20.

25 Id. (Huggins) at 88:5–14.

26 Id. at 88:5–16; see id. (Rexroth) at 140:19–21 (“Mr. Huggins agreed that he would give her two years to obtain the mortgage in her name, taking it out of his name.”); see JX 4 at 1 (Defendant asking Plaintiff in January 2018 if she wanted to “do the house thing in [her] name?”); id. at 2 (Defendant asking Plaintiff in February 2018 to start “the process for this house” and Plaintiff responding, “[h]asn’t really been in my plans”). 27 Tr. (Benson) at 19:4–20:19.

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