Terms of Use.

Site operation.

scloanexperts.com is a marketing website for the SC Loan Experts brand, operated by Mike Certo as a licensed loan officer with Cornerstone First Mortgage, LLC. All loan products, programs, applications, rate quotes, and origination services described or linked from this site are provided by Cornerstone First Mortgage, LLC, subject to Cornerstone's underwriting standards and program guidelines.

Cornerstone First Mortgage Terms of Use.

The full Terms of Use governing Cornerstone First Mortgage's products, services, electronic communications, SMS notifications, and loan-origination process are published on Cornerstone's corporate site. Those terms apply in full to any inquiry, application, or transaction initiated through scloanexperts.com.

Read Cornerstone's full Terms of Use: cfmtg.com/legal-2/.

Not a commitment to lend.

Information presented on this site is for educational and marketing purposes only. It is not a commitment to lend, an offer of credit, or a guarantee of qualification. Loan approval is subject to borrower qualification, property qualification, current program availability, and Cornerstone First Mortgage underwriting requirements.

Rates, payments, program terms, down-payment-assistance availability, and qualification guidelines change frequently. Confirm current terms directly with Mike Certo before making any financial decision based on information from this site.

External links.

This site links to third-party resources including state housing finance agencies, government program operators, and Cornerstone First Mortgage's corporate site. Linking does not imply endorsement of any third-party content. Use of those external sites is governed by their own terms and policies.

Contact.

Questions about these terms or the operation of this site:

• Mike Certo, Branch Manager — NMLS #260555
• (480) 296-6513
• mcerto@cfmtg.com
• Cornerstone First Mortgage Corporate: (866) 815-1803

Last updated: 2026-05-08.