Updated · Mike Certo, NMLS #260555
Michigan Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Michigan. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Michigan buyers.
Loan officer information
- Name: Mike Certo
- NMLS ID: 260555
- Role: Branch Manager / Loan Officer
- NMLS Consumer Access: View Mike's NMLS record
Lender information
- Company: Cornerstone First Mortgage, LLC
- NMLS ID: 173855
- NMLS Consumer Access: View Cornerstone's NMLS record
- Headquarters: San Diego, California
- License footprint: Cornerstone is licensed across most of the country including Michigan; confirm the current state list on NMLS Consumer Access.
How Michigan lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Michigan mortgage lender license. Michigan buyers can work with Cornerstone for their financing regardless of where the loan officer sits physically, as long as every required license is current on NMLS.
Mike works with Michigan buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Michigan license, and closing happens at a Michigan title or settlement company, the way most Michigan purchases settle.
Michigan-specific disclosures
Michigan mortgage transactions follow:
- Michigan Department of Insurance and Financial Services (DIFS) rules
- Michigan Mortgage Brokers, Lenders, and Servicers Licensing Act (MCL 445.1651)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Michigan transfer-tax disclosure at closing (a seller cost)
- Flood insurance escrow disclosure where the property sits in a FEMA flood zone
Specific compliance disclosures appear in the Loan Estimate and Closing Disclosure documents you receive.
Contact
- Mike Certo
- Phone: (480) 296-6513
- Email: mcerto@cfmtg.com
For Michigan licensing questions, contact the Michigan Department of Insurance and Financial Services (DIFS) at michigan.gov/difs.
Related
FAQ
Is Mike Certo licensed in Michigan?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Michigan mortgage lender license under the Michigan Department of Insurance and Financial Services (DIFS). You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Michigan buyers under its Michigan mortgage lender license, and your loan closes at a Michigan title or settlement company.
How do I verify Mike's license?
NMLS Consumer Access maintains public records. Visit nmlsconsumeraccess.org and search for NMLS ID 260555.
Who regulates Michigan mortgage lending?
The Michigan Department of Insurance and Financial Services (DIFS), under the Mortgage Brokers, Lenders, and Servicers Licensing Act (MCL 445.1651). Visit michigan.gov/difs or call DIFS.