About Mike Certo
Mike Certo is a residential mortgage loan officer with 23 years of experience, currently a branch manager at Cornerstone First Mortgage (NMLS #173855). He runs a multi-state niche-focused mortgage practice including VA loans, physician loans, self-employed (non-QM) loans, ITIN, DSCR investor loans, and, the reason you are on this site, manufactured home loans across every program available.
Why manufactured home loans
Most loan officers refuse manufactured home files because they look operationally different from a standard purchase. Mike runs them because the buyers deserve a real loan officer instead of being kicked to a captive dealer-financed lender by default. Cornerstone First Mortgage is a direct lender, meaning Mike controls the file end to end, and the pricing comes from Cornerstone's wholesale relationships, not a dealer's preferred channel.
Programs Mike actively runs on manufactured
- FHA Title II (standard FHA on land-home)
- VA manufactured (when most VA lenders refuse)
- USDA Section 502 Guaranteed (including the post-March-2025 existing-MH pilot)
- Conventional manufactured + MH Advantage + CHOICEHome
- Non-QM manufactured (bank statement, DSCR, asset depletion, ITIN, through specialty wholesale partners)
Licensing
Mike is licensed by the Nationwide Mortgage Licensing System & Registry (NMLS) under individual NMLS #260555. Cornerstone First Mortgage operates under NMLS #173855 and is licensed to originate in all 50 states + DC. Public NMLS record: NMLS Consumer Access.
Other Mike Certo sites
Manufactured Home Loan Experts is one of several niche-specific manufactured / mortgage sites operated by Mike. The full lender, loan officer, and license set is the same across all of them. Each site exists to give buyers in a specific niche real information from a real person.
- AZ Loan Experts (Arizona statewide)
- AZ VA Loan Experts (Arizona veterans)
- Doctors Loan AZ (Arizona physicians)
- And others, see the network defense disclosure in the footer.
Talk to Mike
Direct line: (480) 296-6513. Email: mcerto@cfmtg.com. Or use the contact form.