Updated · Mike Certo, NMLS #260555
Virginia Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage operate as a Virginia-licensed mortgage lender. This page covers licensing identifiers, regulator information, and how Virginia-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 Virginia-licensed service works
Mike is a Virginia-licensed loan officer. Cornerstone First Mortgage is a Virginia-licensed lender. Virginia 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 Virginia buyers remotely — by phone, video, and email — with all required Virginia disclosures and documentation. The loan is originated under Virginia licensing; closing happens at a Virginia closing attorney or title company (Virginia is an attorney-state for real estate closings).
Virginia-specific disclosures
Virginia mortgage transactions follow:
- Virginia State Corporation Commission (SCC) Bureau of Financial Institutions rules
- Virginia Consumer Real Estate Settlement Protection Act
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Virginia-specific disclosure documents at application and closing
- Virginia attorney-conducted closing requirement
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 Virginia-specific licensing questions, contact the Virginia State Corporation Commission Bureau of Financial Institutions at scc.virginia.gov.
Related
FAQ
Is Mike Certo licensed in Virginia?
Yes. Mike is licensed as a Mortgage Loan Originator (MLO) in Virginia under NMLS #260555. Cornerstone First Mortgage (NMLS #173855) is a Virginia-licensed lender.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Virginia through its Virginia 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 Virginia mortgage lending?
The Virginia State Corporation Commission Bureau of Financial Institutions. Visit scc.virginia.gov for licensing and consumer protection information.