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 Arizona time. Voicemail goes to my phone; I return calls within one business day.

2. Email

mcerto@cfmtg.com — for non-urgent questions or written response preferred. Same one-business-day response.

3. Submit the form below

Fast intake. I'll review and reach out via your preferred method.

Real estate agent? Refer a physician or dentist buyer and stay in the loop — use the agent referral form →

What to include when you reach out

Whichever method, it helps if you can share:

Your degree (MD, DO, DDS, DMD, PharmD, DVM, CRNA, etc.)
Your current status (resident, fellow, attending, established practice, retiring)
Your employer (Mayo Phoenix, Banner Health, HonorHealth, Dignity, Tucson UMC, private practice, etc.)
Where in AZ you're looking (Scottsdale, Phoenix Arcadia, Mesa, Tucson Catalina Foothills, etc.)
Approximate price range
Timeline (now, 3-6 months, Match Day prep, etc.)

If you don't have all of that, no problem — we'll work through it on the call.

Contact form

I consent to receive informational and marketing text messages. Consent is not a condition of obtaining a loan. Text STOP to opt out.

By submitting, you consent to be contacted at the phone/email above about Arizona physician loan financing. No spam, no resale. Reply STOP to opt out of SMS. Mike Certo NMLS #260555.

Branch information

Detail	Info
Loan officer	Mike Certo
Mike's NMLS	#260555
Branch	Cornerstone First Mortgage
Cornerstone NMLS	#173855
Service area	All of Arizona
Headquarters	Phoenix Metro
Office hours	Mon-Fri 8am-6pm AZ time
Equal Housing Lender	Yes

Frequently asked questions about reaching Mike

How quickly does Mike respond?

Within one business day. Most calls/emails get a response within 2-4 hours during business hours.

Yes. Mike works with all AZ residency programs. Banner Health, Mayo Clinic, HonorHealth, Dignity Health, Tucson UMC, all routinely.

Can I work with Mike remotely if I'm doing a fellowship out of state but planning to move to AZ for attending position?

Yes — many physician borrowers shop AZ homes remotely. Mike pre-qualifies before you arrive, walks you through video tours with AZ realtors, closes electronically.

Are initial conversations actually free?

Yes. Mike does not charge for initial consultations, pre-qualification, or general questions. Costs only come in if/when you formally apply for a loan.

Match Day is approaching — when should I reach out?

3 months before residency start. Get pre-qualified before matching. Once you have your match, we move fast.