Updated · Mike Certo, NMLS #260555
Texas Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage operate as a Texas-licensed mortgage lender. This page covers licensing identifiers, regulator information, and how Texas-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 Texas-licensed service works
Mike is a Texas-licensed loan officer. Cornerstone First Mortgage is a Texas-licensed lender. Texas 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 Texas buyers remotely — by phone, video, and email — with all required Texas disclosures and documentation. The loan is originated under Texas licensing; closing happens at a Texas title company.
Texas-specific disclosures
Texas mortgage transactions follow:
- Texas Department of Savings and Mortgage Lending (SML) rules
- Texas residential mortgage lending licensing
- Texas Home Equity Constitution Section 50(a)(6) for cash-out and home-equity loans
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Texas-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 Texas-specific licensing questions, contact the Texas Department of Savings and Mortgage Lending at sml.texas.gov.
Related
FAQ
Is Mike Certo licensed in Texas?
Yes. Mike is licensed as a Mortgage Loan Originator (MLO) in Texas under NMLS #260555. Cornerstone First Mortgage (NMLS #173855) is a Texas-licensed lender.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Texas through its Texas 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 Texas mortgage lending?
The Texas Department of Savings and Mortgage Lending (SML). Visit sml.texas.gov for licensing and consumer protection information.