These lovely buyers were so patient--we all worked very hard and made it happen! Got a great new home in Hayward for only 240,000.00. Cobalt mortgage made it happen again--428-1200---Amazing loan people--The best in the biz!!! Went into contract in Dec and closed in July --got all their closing costs. Call 510-502-7811 to see how we can make this happen much more quickly for you---even find homes before they come on to the market!!