Updated · Mike Certo, NMLS #260555
California Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage operate as a California-licensed mortgage lender. This page covers licensing identifiers, regulator information, and how California-licensed out-of-state service works.
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 in 49 states + DC plus Puerto Rico (verify current state list)
How California-licensed service works
Mike is a California-licensed loan officer. Cornerstone First Mortgage is a California-licensed lender. California buyers can work with Cornerstone for their financing regardless of where the loan officer is physically located, as long as all required licenses are current.
Mike serves California buyers remotely — by phone, video, and email — with all required California disclosures and documentation. The loan is originated under California licensing; closing happens at a California title/escrow company.
California-specific disclosures
California mortgage transactions follow:
- California Department of Financial Protection and Innovation (DFPI) rules
- California Mortgage Lender License (CRMLA / California Residential Mortgage Lending Act)
- California Finance Lenders Law (where applicable)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- California-specific disclosure documents at application and closing
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 California-specific licensing questions, contact the California Department of Financial Protection and Innovation at dfpi.ca.gov.
Related
FAQ
Is Mike Certo licensed in California?
Yes. Mike is licensed as a Mortgage Loan Originator (MLO) in California under NMLS #260555. Cornerstone First Mortgage (NMLS #173855) is a California-licensed lender.
Where is Cornerstone First Mortgage headquartered?
San Diego, California.
How do I verify Mike's license?
NMLS Consumer Access maintains public records. Visit nmlsconsumeraccess.org and search for NMLS ID 260555.
Who regulates California mortgage lending?
The California Department of Financial Protection and Innovation (DFPI). Visit dfpi.ca.gov for licensing and consumer protection information.