Updated · Mike Certo, NMLS #260555
Georgia Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage operate as a Georgia-licensed mortgage lender. This page covers licensing identifiers, regulator information, and how Georgia-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 Georgia-licensed service works
Mike is a Georgia-licensed loan officer. Cornerstone First Mortgage is a Georgia-licensed lender. Georgia 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 Georgia buyers remotely — by phone, video, and email — with all required Georgia disclosures and documentation. The loan is originated under Georgia licensing; closing happens at a Georgia closing attorney (state requires attorney-conducted closings).
Georgia-specific disclosures
Georgia mortgage transactions follow:
- Georgia Department of Banking and Finance rules
- Georgia Residential Mortgage Act
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Georgia-specific disclosure documents at application and closing
- Georgia 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 Georgia-specific licensing questions, contact the Georgia Department of Banking and Finance at dbf.georgia.gov.
Related
FAQ
Is Mike Certo licensed in Georgia?
Yes. Mike is licensed as a Mortgage Loan Originator (MLO) in Georgia under NMLS #260555. Cornerstone First Mortgage (NMLS #173855) is a Georgia-licensed lender.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Georgia through its Georgia 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 Georgia mortgage lending?
The Georgia Department of Banking and Finance. Visit dbf.georgia.gov for licensing and consumer protection information.