Updated · Mike Certo, NMLS #260555
Missouri Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Missouri. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Missouri 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 Missouri; confirm the current state list on NMLS Consumer Access.
How Missouri lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Missouri residential mortgage license. Missouri 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 Missouri buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Missouri license, and closing happens at a Missouri title or settlement company, the way most Missouri purchases settle.
Missouri-specific disclosures
Missouri mortgage transactions follow:
- Missouri Division of Finance rules
- Missouri Missouri Residential Mortgage Brokers Licensing Act (Chapter 443 RSMo)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Missouri closing disclosures (Missouri charges no real estate transfer tax; recording fees apply)
- 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 Missouri licensing questions, contact the Missouri Division of Finance at finance.mo.gov.
Related
FAQ
Is Mike Certo licensed in Missouri?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Missouri residential mortgage license under the Missouri Division of Finance. You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Missouri buyers under its Missouri residential mortgage license, and your loan closes at a Missouri 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 Missouri mortgage lending?
The Missouri Division of Finance, under the Missouri Residential Mortgage Brokers Licensing Act (Chapter 443 RSMo). Visit finance.mo.gov or call the Division of Finance.