Updated · Mike Certo, NMLS #260555
Indiana Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Indiana. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Indiana 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 Indiana; confirm the current state list on NMLS Consumer Access.
How Indiana lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Indiana mortgage lender license. Indiana 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 Indiana buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Indiana license, and closing happens at a Indiana title or settlement company, the way most Indiana purchases settle.
Indiana-specific disclosures
Indiana mortgage transactions follow:
- Indiana Department of Financial Institutions (DFI) rules
- Indiana Indiana First Lien Mortgage Lending Act (administered by the Indiana DFI)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Indiana closing disclosures (Indiana charges no state transfer tax; a Sales Disclosure Form fee and 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 Indiana licensing questions, contact the Indiana Department of Financial Institutions (DFI) at in.gov/dfi.
Related
FAQ
Is Mike Certo licensed in Indiana?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Indiana mortgage lender license under the Indiana Department of Financial Institutions (DFI). You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Indiana buyers under its Indiana mortgage lender license, and your loan closes at a Indiana 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 Indiana mortgage lending?
The Indiana Department of Financial Institutions (DFI), under the Indiana First Lien Mortgage Lending Act, administered by the Indiana Department of Financial Institutions. Visit in.gov/dfi or call the Department of Financial Institutions.