**Exhibit 31.2**

**CERTIFICATION**

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|   | (a) Designed                such disclosure controls and procedures, or caused such disclosure                controls and procedures to be designed under our supervision, to                ensure                that material information relating to the Registrant, including its                consolidated subsidiaries, is made known to us by others within those                entities, particularly during the period in which this report is                being                prepared; |
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|   | (b) Paragraph                omitted pursuant to SEC Release Nos. 33-8238 and                34-47986;                                                                                                                                                                                                                                                                                                                                                                                                     |
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|   | (c)                Evaluated the effectiveness of the Registrant’s disclosure controls and                procedures and presented in this report our conclusions about the                effectiveness of the disclosure controls and procedures, as of the                end of                the period covered by this report based on such                evaluation; and                                                                                                                    |
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|   | (d) Disclosed                in this report any changes in the Registrant’s internal control over                financial reporting that occurred during the Registrant’s most recent                fiscal quarter that has materially affected, or is reasonably likely                to                materially affect the Registrant’s internal control over financial                reporting; and                                                                        |

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|   | (a) All                significant deficiencies and material weaknesses in the design or                operation of internal control over financial reporting which are                reasonably likely to adversely affect the Registrant’s ability to record,                process, summarize and report financial                information; and |
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|   | (b) Any                fraud, whether or not material, that involves management or other                employees who have a significant role in the Registrant’s internal control                over financial reporting.                                                                                                                                   |

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|   | /s/                M. GWEN MELANSON                                             |
|   | M.                Gwen Melanson                                                 |
|   | Chief                Financial Officer*                                         |
|   | Point                Center Financial Inc.,                                     |
|   | Sole                Manager of Point Center Mortgage Fund I,                LLC |

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| *  | M.                Gwen Melanson functions as the equivalent of the chief financial                officer                of the Registrant. |

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