Updated · Mike Certo, NMLS #260555
Illinois Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Illinois. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Illinois 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 Illinois; confirm the current state list on NMLS Consumer Access.
How Illinois lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Illinois residential mortgage license. Illinois 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 Illinois buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Illinois license, and closing happens at a Illinois title or settlement company, the way most Illinois purchases settle.
Illinois-specific disclosures
Illinois mortgage transactions follow:
- Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking rules
- Illinois Residential Mortgage License Act of 1987 (205 ILCS 635)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Illinois transfer-tax stamp disclosure at closing (state, county, and any home-rule municipal tax)
- 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 Illinois licensing questions, contact the Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking at idfpr.illinois.gov.
Related
FAQ
Is Mike Certo licensed in Illinois?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Illinois residential mortgage license under the Illinois Department of Financial and Professional Regulation (IDFPR). You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Illinois buyers under its Illinois residential mortgage license, and your loan closes at a Illinois 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 Illinois mortgage lending?
The Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, under the Residential Mortgage License Act of 1987 (205 ILCS 635). Visit idfpr.illinois.gov or call IDFPR.