Sophisticated jumbo financing for Arizona's high-end market.
Mike Certo runs the Phoenix branch of Cornerstone First Mortgage. The Arizona Jumbo program focuses on the files most lenders aren't built to handle — self-employed business owners, high-net-worth retirees, physicians, and estate-class purchases that require the right pairing of program, underwriter, and structure.
Meet Mike Certo
With more than two decades of mortgage experience, Mike Certo built his Phoenix branch around a specific idea: complex files deserve clear thinking, practical strategy, and honest answers. Every jumbo borrower's situation is different — and the right financing approach should be matched carefully to the borrower, not the other way around.
Mike personally consults with every client. No call-center hand-offs, no junior loan officer chain. Whether you're a Microsoft executive relocating from Seattle, a Scottsdale business owner with complex compensation, a physician with a future contract in hand, or a buyer between liquidity events, the conversation starts and ends with someone who originates these loans daily.
Who we serve
The Arizona Jumbo platform is built for borrowers whose situations need real product depth:
- Technology and healthcare executives with significant equity compensation
- Business owners whose tax returns understate true cash flow
- Physicians, dentists, and medical professionals at every training stage
- High-net-worth retirees living on portfolio distributions
- Borrowers between business ventures or recently liquid
- Out-of-state professionals relocating to Arizona
- Estate-class buyers in Paradise Valley, North Scottsdale, Sedona
How we work
We structure jumbo financing around your real financial profile rather than forcing your file into a rigid documentation lane. That means active relationships across specialized jumbo strategies — traditional, self-employed, asset-based, physician, and super-jumbo — so we can pair the right strategy to your situation rather than recommending whatever happens to be the easiest program to underwrite.
High-net-worth borrowers value discretion. We operate accordingly: minimum required documentation, direct communication, and clear assessment without a generic sales script.
What we won't do
- Force a traditional-documentation approach around a self-employed file just because it's the easiest program to underwrite.
- Quote a rate we know won't actually fund.
- Pad the file with documentation you don't need to provide.
- Pressure you toward a decision before you're ready.
Direct conversation. No script.
Bring your purchase target, liquidity picture, and income structure. Twenty minutes to know which jumbo strategy fits.