Updated · Mike Certo, NMLS #260555
Wisconsin Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Wisconsin. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Wisconsin 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 Wisconsin; confirm the current state list on NMLS Consumer Access.
How Wisconsin lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds a Wisconsin mortgage lender license. Wisconsin 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 Wisconsin buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Wisconsin license, and closing happens at a Wisconsin title or settlement company, the way most Wisconsin purchases settle.
Wisconsin-specific disclosures
Wisconsin mortgage transactions follow:
- Wisconsin Department of Financial Institutions (DFI) rules
- Wisconsin Wisconsin mortgage banker and loan originator licensing (Wis. Stat. ch. 224)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Wisconsin real estate transfer fee disclosure at closing (a seller cost, $3 per $1,000)
- 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 Wisconsin licensing questions, contact the Wisconsin Department of Financial Institutions (DFI) at dfi.wi.gov.
Related
FAQ
Is Mike Certo licensed in Wisconsin?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds a Wisconsin mortgage lender license under the Wisconsin Department of Financial Institutions (DFI). You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Wisconsin buyers under its Wisconsin mortgage lender license, and your loan closes at a Wisconsin 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 Wisconsin mortgage lending?
The Wisconsin Department of Financial Institutions (DFI), under Wisconsin mortgage banker and loan originator licensing (Wis. Stat. ch. 224). Visit dfi.wi.gov or call the Department of Financial Institutions.