Elva Wormley, branch manager and mortgage consultant has been serving homeowners and home buyers in San Jose and throughout California since 1981. She takes pride in providing personalized customer service and expert guidance that helps make the home financing process easier and more convenient. This includes educating home buyers so they can make informed decisions. Cobalt is licensed by the California Dept. of Real Estate, Broker #01821025, NMLS#135622. Elva A. Wormley DRE License #01274093, NMLS#331981. Equal Housing Opportunity. Loan approval is not guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. Specified rates may not be available for all borrowers.