Updated · Mike Certo, NMLS #260555
Massachusetts Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Massachusetts. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Massachusetts 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 Massachusetts; confirm the current state list on NMLS Consumer Access.
How Massachusetts lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Massachusetts mortgage lender license. Massachusetts 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 Massachusetts buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Massachusetts license, and closing happens at a Massachusetts closing attorney or settlement agent, the way most Massachusetts purchases settle.
Massachusetts-specific disclosures
Massachusetts mortgage transactions follow:
- Massachusetts Division of Banks rules
- Massachusetts Massachusetts mortgage lender and broker licensing (M.G.L. c.255E and 209 CMR 42)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Massachusetts deeds excise disclosure at closing (a seller cost; the Cape and islands carry higher local rates)
- 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 Massachusetts licensing questions, contact the Massachusetts Division of Banks at mass.gov/orgs/division-of-banks.
Related
- Massachusetts Loan Programs
- Massachusetts DPA Programs
- Massachusetts First-Time Buyer Guide
- Talk to Mike
FAQ
Is Mike Certo licensed in Massachusetts?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Massachusetts mortgage lender license under the Massachusetts Division of Banks. You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Massachusetts buyers under its Massachusetts mortgage lender license, and your loan closes at a Massachusetts closing attorney or settlement agent.
How do I verify Mike's license?
NMLS Consumer Access maintains public records. Visit nmlsconsumeraccess.org and search for NMLS ID 260555.
Who regulates Massachusetts mortgage lending?
The Massachusetts Division of Banks, under Massachusetts mortgage lender and broker licensing (M.G.L. c.255E and 209 CMR 42). Visit mass.gov/orgs/division-of-banks or call the Division of Banks.