Updated · Mike Certo, NMLS #260555
Florida Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage operate as a Florida-licensed mortgage lender. This page covers licensing identifiers, regulator information, and how Florida-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 Florida-licensed service works
Mike is a Florida-licensed loan officer. Cornerstone First Mortgage is a Florida-licensed lender. Florida 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 Florida buyers remotely — by phone, video, and email — with all required Florida disclosures and documentation. The loan is originated under Florida licensing; closing happens at a Florida title agency.
Florida-specific disclosures
Florida mortgage transactions follow:
- Florida Office of Financial Regulation (OFR) rules
- Florida Mortgage Brokerage and Lending Act licensing
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Florida-specific disclosure documents at application and closing, including documentary stamp and intangible tax disclosures
- Florida flood and wind insurance escrow disclosure where applicable
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 Florida-specific licensing questions, contact the Florida Office of Financial Regulation at flofr.gov.
Related
FAQ
Is Mike Certo licensed in Florida?
Yes. Mike is licensed as a Mortgage Loan Originator (MLO) in Florida under NMLS #260555. Cornerstone First Mortgage (NMLS #173855) is a Florida-licensed lender.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Florida through its Florida lending license.
How do I verify Mike's license?
NMLS Consumer Access maintains public records. Visit nmlsconsumeraccess.org and search for NMLS ID 260555.
Who regulates Florida mortgage lending?
The Florida Office of Financial Regulation (OFR). Visit flofr.gov for licensing and consumer protection information.