Updated · Mike Certo, NMLS #260555
Oklahoma Mortgage License Disclosures
Transparency on how Mike Certo and Cornerstone First Mortgage are licensed to lend in Oklahoma. This page covers the licensing identifiers, the state regulator, and how Cornerstone serves Oklahoma 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 Oklahoma; confirm the current state list on NMLS Consumer Access.
How Oklahoma lending works with Cornerstone
Mike is a licensed Mortgage Loan Originator and Cornerstone First Mortgage holds an Oklahoma mortgage lender license. Oklahoma 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 Oklahoma buyers by phone, video, and email, with every required disclosure delivered in writing. The loan is originated under Cornerstone's Oklahoma license, and closing happens at an Oklahoma title or settlement company, the way most Oklahoma purchases settle.
Oklahoma-specific disclosures
Oklahoma mortgage transactions follow:
- Oklahoma Department of Consumer Credit rules
- Oklahoma mortgage lender and loan originator licensing under the Oklahoma SAFE Act (59 O.S. sections 2095 et seq.)
- Federal TRID (TILA-RESPA Integrated Disclosure) requirements
- Oklahoma documentary stamp tax disclosure at closing (a seller cost, $1.50 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 Oklahoma licensing questions, contact the Oklahoma Department of Consumer Credit at oklahoma.gov/okdocc.
Related
FAQ
Is Mike Certo licensed in Oklahoma?
Yes. Mike is a licensed Mortgage Loan Originator under NMLS #260555, and Cornerstone First Mortgage (NMLS #173855) holds an Oklahoma mortgage lender license regulated by the Oklahoma Department of Consumer Credit under the Oklahoma SAFE Act. You can verify both at nmlsconsumeraccess.org.
Where is Cornerstone First Mortgage headquartered?
San Diego, California. Cornerstone serves Oklahoma buyers under its Oklahoma mortgage lender license, and your loan closes at an Oklahoma 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 Oklahoma mortgage lending?
The Oklahoma Department of Consumer Credit, under the Oklahoma SAFE Act (59 O.S. sections 2095 et seq.), which licenses mortgage lenders, brokers, and loan originators through NMLS. Visit oklahoma.gov/okdocc for licensing and consumer-protection information.