Helping Make Your
Home Buying Dreams
a Reality.

Buying or refinancing a home can be a stressful and an intimidating ordeal – if you don’t have the right loan officer educating and guiding you.

Our Team

Mike Roberts

Buying or refinancing a home can be a stressful and an intimidating ordeal – if you don’t have the right loan officer educating and guiding you. As an Arizona native (well…here since I was 5) I have built my business through years of referrals from very satisfied clients and referral partners. Our team directive has always been to be honest, upfront and knowledgeable for our clients. It is our goal to help our customers make well-informed, educated decisions about their mortgage finance strategies.

Rachel Lang

My niche for the past 19 years as a loan professional is figuring out how my client's specific needs fit with lender guidelines so that we can efficiently close your purchase or refinance your loan. As a self-proclaimed "guidelines geek," I spend a lot of time educating myself to interpret and understand loan guidelines. I find that this sets me apart in my industry because interpretation is everything when it comes to maneuvering through a challenging loan. To me, a client is as unique as a fingerprint; each scenario is different and should be treated that way. My family has been in the Arizona mortgage industry since 1979, so you could say I grew up in the business. Some of my earliest memories were spending weekends in my mother's office while she worked on mortgage loans. Some may argue that my very first word was "loan." I learned early on the importance of hard work and integrity. It was that exposure to the industry and my ability to reinvent myself with the ever-changing market that made me the loan professional that I am today. I pride myself on becoming your lender for life!

Kristen McMullan

My role at Cobalt Mortgage allows me to do a variety of things each day. Whether it involves coordinating day-to-day operations, providing support to our team, or collaborating with our clients. With over 12 years of working in multiple positions within the mortgage industry, I have gained the knowledge and experience that allows me to support clients, my team , and our partners in the real estate community. I enjoy doing whatever needs to be done to help buyers achieve their dream of homeownership.

Shannon Williams

My career in the mortgage industry began as a loan processor in 2003. For the last 17 years I have worn many hats in the lending world working directly with Rachel Lang. In 2019 Rachel Lang & Mike Roberts made the exciting decision to start their own mortgage brokerage, Cobalt Mortgage. I jumped at the opportunity to help build a company that highlights the best of our combined extensive experience. I am a licensed loan officer and my focus within Cobalt is on marketing and providing support to the entire team.


Communication is key and I always got a quick response whenever I had a question. This team is the best!

- Monika P.

This was the best lending experience in my life. I was very happy with this service, and will recommend to anyone!

- Stephanie S.

Rachel Lang and her team are a dream to work with! I’ve used them in the past with my home purchase, and now as a refinance. They were in constant communication and closed on the promised date. I would recommended them to anyone looking for mortgage options.

- Kirstin E.

Incredibly responsive and helpful in making our loan. I would recommend the team to anyone looking for a professional broker.

- Jon B.

All I can say is that I realize not all lender are created equal. This lender is amazing, as they truly do their homework and due diligence to be sure they can close the loan at the best rate possible. If they don’t feel they can, then will actually let you know that there is another company that can do this for less money. Quick closing and keep you updated– communication is key and they understand that! Thank you!

- Jeff R.

Cobalt Mortgage worked diligently to get the best loan for me! Their knowledge of the market and lending process is incredible. I highly recommend them for any loan needs.

- Krystal & Mike P.

Working with Cobalt was the best decision we could have made when deciding to refinance our house. They guided us through every step, answered every question and in the end got us a great rate at a tremendous speed! Thank you, Cobalt!

- Cassandra H.