Our offer is all cash with no loan contingency. In the meantime we are going through the hurdles to put the FHA loan in place. If at the end of 30 days we don’t have the loan we will close with all cash and then refinance. We won’t be able to do a 3.5% dp though..therefore our mortgage broker better earn his keep and get the deal done. But I am not worried, today is day one and our loan is going into underwriting first thing tomorrow morning (we had all our docs lined up and ready to go).