AZ VA Loan Experts · Cornerstone First Mortgage · NMLS #173855 Call Mike Certo · (480) 296-6513

Updated · Mike Certo, NMLS #260555 · Last verified against official VA source: 2026-06-09

Arizona VA Loan Contact Privacy and TCPA

When you submit a form on this site, you're contacting Mike Certo directly. Not a lead aggregator. Not a call center. Here's exactly what happens with your contact information and what consent you're providing.

What happens after you submit a form

  1. Form goes directly to Mike Certo. Not a lead aggregator. Not a third-party CRM that resells. Mike receives the form submission.
  2. Mike reviews your scenario. Usually within one business day. For urgent scenarios (active offers, time-sensitive closings), faster.
  3. Mike contacts you. Typically by phone or text. Sometimes by email if you indicated email preference.
  4. You decide if you want to proceed. No commitment from the initial conversation. The first call is a free consult, period.

TCPA consent in plain English

The TCPA (Telephone Consumer Protection Act) requires written consent before businesses can send marketing text messages using automated systems. When you check the consent box on a form, you're providing that written consent.

What you're consenting to:

  • Mike can call, text, or email you about your mortgage scenario
  • Mike can send informational and marketing messages (loan updates, educational content)
  • Some messages may use automated technology (auto-dialer, templated text)

What you're NOT consenting to:

  • Constant marketing calls. We don't do that.
  • Lead resale. We don't sell your information.
  • Required as a condition of getting a loan. Consent is optional — you can decline TCPA consent and still pursue a loan.

How to opt out

  • Text: Reply STOP to any text message. You'll be removed from text contact immediately.
  • Email: Reply to any email asking to unsubscribe, or use the unsubscribe link.
  • Phone: Tell Mike "please remove me from your contact list." Done.

No lead resale

This is a direct-to-loan-officer site. We don't sell or share your contact information with third-party lead aggregators, marketing companies, or other lenders. The only people who see your form submission are Mike and (where required for compliance) Cornerstone First Mortgage compliance and operations teams.

Data retention

  • Active borrowers: We retain your information for the duration of your active mortgage file and the time periods required by federal and state regulation.
  • Inactive contacts: If you submit a form but don't proceed with a loan, we retain your information for typical follow-up periods (typically 1-2 years). You can request earlier deletion.
  • Loan records: Closed loan records are retained per federal mortgage record retention requirements (typically 7+ years).

Data security

Cornerstone First Mortgage maintains compliance with required federal and state data security standards for mortgage lenders, including:

  • Gramm-Leach-Bliley Act (GLBA) Privacy Rule compliance
  • GLBA Safeguards Rule compliance
  • State-specific mortgage data security requirements

More information

Questions about your data

If you have questions about your contact information or how we handle it, call (480) 296-6513 or email mcerto@cfmtg.com.

FAQ

Will my information be sold to other lenders?

No. This is a direct-to-loan-officer site. Mike Certo receives your form submission. We don't sell or share your information with lead aggregators or other lenders.

Is TCPA consent required to get a loan?

No. Consent is optional. You can decline TCPA consent and still pursue a loan. Consent only governs how we can contact you about your scenario.

How do I opt out of texts?

Reply STOP to any text message. You'll be removed immediately.

How long do you keep my information?

Active borrowers — for the duration of your loan plus required retention periods. Inactive contacts — typically 1-2 years for follow-up, with earlier deletion available on request.