Updated · Mike Certo, NMLS #260555
Ohio Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Ohio. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Ohio 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 Ohio; confirm the current state list on NMLS Consumer Access.
How Ohio lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Ohio mortgage lender license. Ohio 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 Ohio buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Ohio license, and closing happens at a Ohio title or settlement company, the way most Ohio purchases settle.
Ohio-specific disclosures
Ohio mortgage transactions follow:
- Ohio Department of Commerce, Division of Financial Institutions rules
- Ohio Ohio Residential Mortgage Lending Act (ORC Chapter 1322)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Ohio conveyance fee disclosure at closing (customarily a seller cost)
- 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 Ohio licensing questions, contact the Ohio Department of Commerce, Division of Financial Institutions at com.ohio.gov .
Related
FAQ
Is Mike Certo licensed in Ohio?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Ohio mortgage lender license under the Ohio Department of Commerce, Division of Financial Institutions. You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Ohio buyers under its Ohio mortgage lender license, and your loan closes at a Ohio 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 Ohio mortgage lending?
The Ohio Department of Commerce, Division of Financial Institutions, under the Ohio Residential Mortgage Lending Act (ORC Chapter 1322). Visit com.ohio.gov or call the Division of Financial Institutions.