Updated · Mike Certo, NMLS #260555
Pennsylvania Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Pennsylvania. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Pennsylvania 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 Pennsylvania; confirm the current state list on NMLS Consumer Access.
How Pennsylvania lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Pennsylvania mortgage lender license. Pennsylvania 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 Pennsylvania buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Pennsylvania license, and closing happens at a Pennsylvania title or settlement company, the way most Pennsylvania purchases settle.
Pennsylvania-specific disclosures
Pennsylvania mortgage transactions follow:
- Pennsylvania Department of Banking and Securities rules
- Pennsylvania Mortgage Licensing Act (7 Pa.C.S. Chapter 61)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Pennsylvania realty transfer tax disclosure at closing (state 1% plus the local rate for your municipality)
- 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 Pennsylvania licensing questions, contact the Pennsylvania Department of Banking and Securities at dobs.pa.gov or 1-800-PA-BANKS.
Related
- Pennsylvania Loan Programs
- Pennsylvania DPA Programs
- Pennsylvania First-Time Buyer Guide
- Talk to Mike
FAQ
Is Mike Certo licensed in Pennsylvania?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Pennsylvania mortgage lender license under the PA Department of Banking and Securities. You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Pennsylvania buyers under its Pennsylvania mortgage lender license, and your loan closes at a Pennsylvania 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 Pennsylvania mortgage lending?
The Pennsylvania Department of Banking and Securities, under the Mortgage Licensing Act (7 Pa.C.S. Chapter 61). Visit dobs.pa.gov or call 1-800-PA-BANKS.