Mike Certo
@utloanexperts
Salt Lake City-based mortgage branch manager. Local Utah programs. Honest math. Real reply within one business day.
NMLS #260555 · Cornerstone First Mortgage · NMLS #173855
Get Pre-Approved
24–48 hours after docs are in
Loan Programs
Down Payment Assistance
Home Plus · Home In 5 · CHAP · Chenoa · Arrive
Buy Before You Sell
Bridge financing that removes the contingency
Self-Employed Loans
Bank statement · 1099 · asset qualifier
Jumbo & Doctor Loans
Full doc · alt doc · super jumbo · Medical Professionals
Investor / DSCR Loans
Below 1.0 DSCR · short-term rental · long-term hold
First-Time Home Buyer
FHA · USDA · conventional 97 · Down Payment Assistance (DPA)-paired
Learn
About Mike
Salt Lake City branch manager, 23 years originating
Resources
Curated guides across every loan path
For Real Estate Agents
Contract Contingent on Buyer Sale (CCBS) rescue, complex-doc buyers, co-marketing
Equal Housing Lender. Not a commitment to lend. Loans are subject to buyer and property qualification.
Visit the full UT Loan Experts site →