Nationwide Manufactured Home Loan Specialist · Cornerstone First Mortgage · NMLS #173855 Call Mike Certo · (480) 296-6513
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About Mike Certo

Loan officer, branch manager, Cornerstone First Mortgage. NMLS #260555.

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 I (chattel for park-home buyers — one of fewer than 50 active originators nationally)
  • 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.

Talk to Mike

Direct line: (480) 296-6513. Email: mcerto@cfmtg.com. Or use the contact form.

About this site: Manufactured Home Loan Experts is one of several geographic and niche-specific mortgage sites operated by Mike Certo, a licensed loan officer at Cornerstone First Mortgage (NMLS #173855). Each site exists to give buyers in a specific niche real, useful information from a real person. The lender, the loan officer, the licensing, and the lending guidelines are the same across every site.

Sister sites: AZ Loan Experts · AZ VA Loan Experts · Doctors Loan AZ · others. All operated under Cornerstone First Mortgage, LLC.

Mike Certo, NMLS #260555. Cornerstone First Mortgage, LLC, NMLS #173855. Equal Housing Lender. Licensed in all 50 states + DC. Not all applicants will qualify. This is not a commitment to lend.