About Michelle

Hi! I’m Michelle Cobb, a Mortgage Consultant in North Carolina, and I believe communication is key.

You shouldn’t be left wondering about your loan’s progress. That’s why I always make myself available to my clients.

I have the expertise to help whether you’re purchasing a new build, refinancing, or downsizing. No matter your situation, there’s an array of options when it comes to home loans.

I’m here to help you kick your worries out the window! What are you waiting for? It only takes a few minutes to apply.

Apply Now

My Reviews




Total Reviews

Gloria B.


Michelle and her team are kind and helpful, always.


Date Posted: Aug-17-2022

Sara M.

Shelby, NC

Communication was the number 1 thing for us and Michelle was wonderful to keep us in the loop!


Date Posted: Aug-13-2022

Danny M.

Shelby, NC

It was fast and easy!


Date Posted: Aug-12-2022

Thomas C.

Hickory, NC

Let's start by saying that this was the easiest mortgage process I've ever gone through! Michelle and her team are very professional and were me on every step of the way. This included the way they welcomed me at my initial meeting with them all the way through the closing. I could not have chosen a better company to work with... Thank you Michelle and team for everything you've done for us. I will refer you to everyone I know that is shopping for a mortgage TC


Date Posted: Jul-30-2022

Susan W.

Hickory, NC



Date Posted: Jul-30-2022

Thomas Carl C.

Hickory, NC

Mid way through my mortgage process and I'm so pleased that I chose On Q Financial. Diane Phillips, Michelle Cobb and the rest of the team are so easy to work. Michelle Cobb calls me with updates and walks me through all the paperwork needed for the underwriting department Great job... I will recommend this company to anyone needing a home mortgage Thank you in advance Tom Conroy


Date Posted: Jul-21-2022