Updated · Mike Certo, NMLS #260555
New Jersey Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in New Jersey. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves New Jersey 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 New Jersey; confirm the current state list on NMLS Consumer Access.
How New Jersey lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a New Jersey residential mortgage license. New Jersey 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 New Jersey buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's New Jersey license, and closing happens at a New Jersey title or settlement company, the way most New Jersey purchases settle.
New Jersey-specific disclosures
New Jersey mortgage transactions follow:
- New Jersey Department of Banking and Insurance (DOBI) rules
- New Jersey New Jersey Residential Mortgage Lending Act (N.J.S.A. 17:11C-51)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- New Jersey Realty Transfer Fee and mansion-tax disclosure at closing (seller costs)
- 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 New Jersey licensing questions, contact the New Jersey Department of Banking and Insurance (DOBI) at nj.gov/dobi.
Related
FAQ
Is Mike Certo licensed in New Jersey?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a New Jersey residential mortgage license under the New Jersey Department of Banking and Insurance (DOBI). You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves New Jersey buyers under its New Jersey residential mortgage license, and your loan closes at a New Jersey 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 New Jersey mortgage lending?
The New Jersey Department of Banking and Insurance (DOBI), under the New Jersey Residential Mortgage Lending Act (N.J.S.A. 17:11C-51). Visit nj.gov/dobi or call DOBI.