Contact Mike
Direct line: (480) 296-6513 · Email: mcerto@cfmtg.com
Three ways to reach me
1. Call directly
(480) 296-6513 — that's my direct line, not a call center. Mon-Fri 8am-6pm Oregon time. Voicemail goes to my phone; I return calls within one business day, usually faster.
2. Email
mcerto@cfmtg.com — for non-urgent questions or if you'd rather start in writing. Same one-business-day response.
3. Submit the form below
Fast intake form. I'll review and reach back out via your preferred method.
What to include when you reach out
Whichever method, it helps if you can share:
- Your Veteran status (active-duty, Veteran, reservist, surviving spouse)
- Rough timeline (buying now, in 3-6 months, just exploring)
- Where in Oregon you're considering
- Approximate price range (rough is fine; can be a wide range)
- Anything specific about your situation (disability rating, prior VA use, credit concerns, relocation dates, etc.)
If you don't have all of that, no problem — we'll work through it on the call.
Contact form
Branch information
| Detail | Info |
|---|---|
| Loan officer | Mike Certo |
| Mike's NMLS | #260555 |
| Branch | Cornerstone First Mortgage |
| Cornerstone NMLS | #173855 |
| Service area | All of Oregon |
| Coverage | Oregon-licensed · statewide (remote-friendly) |
| Office hours | Mon-Fri 8am-6pm OR time |
| Equal Housing Lender | Yes |
Frequently asked questions about reaching Mike
How quickly does Mike actually respond?
Within one business day. Most calls/emails get a response within 2-4 hours during business hours.
Can I work with Mike remotely if I'm out of state?
Yes — many Veterans shopping Oregon arrive via relocation or a PCS to the region. We work with Veterans remotely, with documentation handled electronically. The closing itself runs through the title company at a location convenient to you.
Is Mike licensed in other states besides Oregon?
Mike's NMLS is licensed for Oregon origination. For other states, Cornerstone First Mortgage may have other loan officers who can assist.
Are initial conversations actually free?
Yes. Mike does not charge for initial consultations, pre-qualification, or general questions about VA loans. Costs only come in if/when you formally apply for a loan.
What if I'm just at the "exploring" stage and not ready to buy?
Perfectly fine — Mike works with Veterans 12-18 months out from buying, especially through the OR VA Credit Tune-Up free coaching service.