About Investor Loans Oklahoma
We are the investor-lending arm of Mike Certo's team at Cornerstone First Mortgage: a direct lender, licensed in all 50 states, with 23 years of residential lending behind the desk.
Who we are
Investor Loans Oklahoma is run by Mike Certo, Branch Manager at Cornerstone First Mortgage (NMLS #173855), and the team around him. Mike has originated residential mortgages for 23 years, through two rate cycles, one housing crash, and every flavor of investor market in between. He holds NMLS #260555, and Cornerstone lends as a direct lender in all 50 states and DC.
Oklahoma is a favorite state to lend in, because the fundamentals genuinely favor a buy-and-hold investor: the fastest landlord remedies in our network, one of the lowest property-tax loads in the country, and metro yields that coastal markets stopped offering a decade ago. But we also tell Oklahoma buyers the part the glossy pitch skips, that statewide vacancy runs above the national average, so this is a market you work rather than coast on. An Oklahoma deal turns on things most loan officers never touch: which Tulsa ZIP a property sits in, whether the county ratio is 11% or 12%, whether an Oklahoma City block still has room under the short-term-rental cap, whether the 5% assessment cap shelters a rehab. We work those questions all week.
How we work
- Real numbers, no salesy script. We run the actual PITIA against realistic rent, with a realistic vacancy assumption, before you offer, and we will tell you when a deal does not pencil.
- You always know where you are in the loan process. Communication is the thing our clients mention most, and we guard that reputation.
- Verified facts, dated. Every figure on this site traces to a source and carries its verification date, from the fair-cash-value assessment chain to the Tulsa STR fees to the statewide vacancy series. When a local rule needs confirming at the source, we say so instead of rounding to a comfortable answer.
- Direct lender. Underwriting, docs, and funding under one roof.
What we lend
DSCR purchases and refinances, investor cash-out, short-term-rental financing, bank statement loans for the self-employed, foreign-national programs, and conventional investor loans, all across Oklahoma. Start with the programs page, the DSCR guide, or just send us the deal.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City short-term-rental rules, county assessment ratios, tax figures, and vacancy data change; confirm current requirements with the county assessor, your CPA, or an Oklahoma real estate attorney before you buy. Loans are subject to buyer and property qualification.