Mike Certo
@floridaloanexperts
Miami-based mortgage branch manager. Local Florida programs. Honest math. Real reply within one business day.
NMLS #260555 · Cornerstone First Mortgage · NMLS #173855
Get Pre-Approved
24–48 hours after docs are in
Loan Programs
Down Payment Assistance
Home Plus · Home In 5 · CHAP · Chenoa · Arrive
Buy Before You Sell
Bridge financing that removes the contingency
Self-Employed Loans
Bank statement · 1099 · asset qualifier
Jumbo & Doctor Loans
Full doc · alt doc · super jumbo · Medical Professionals
Investor / DSCR Loans
Below 1.0 DSCR · short-term rental · long-term hold
First-Time Home Buyer
FHA · USDA · conventional 97 · Down Payment Assistance (DPA)-paired
Learn
About Mike
Miami branch manager, 23 years originating
Resources
Curated guides across every loan path
For Real Estate Agents
Contract Contingent on Buyer Sale (CCBS) rescue, complex-doc buyers, co-marketing
Equal Housing Lender. Not a commitment to lend. Loans are subject to buyer and property qualification.
Visit the full FL Loan Experts site →