Exhibit31.3

CERTIFICATION OF CHIEF FINANCIAL OFFICER OFMORTGAGEIT, INC.

I, Donald Epstein, certify that:

1.    I have reviewed this quarterly report on Form 10-Q ofMortgageIT Holdings, Inc;

2.    Based on my knowledge, thisreport does not contain any untrue statement of a material fact or omitto state a material fact necessary to make the statements made, inlight of the circumstances under which such statements were made, notmisleading with respect to the period covered by this report;

3.    Based on my knowledge, the financial statements, and otherfinancial information included in this report, fairly present in allmaterial respects the financial condition, results of operations andcash flows of the registrant as of, and for, the periods presented inthis report;

4.    The registrant's other certifyingofficer and I are responsible for establishing and maintainingdisclosure controls and procedures (as defined in Exchange Act Rules13a-15(e) and 15d-15(e)) for the registrant and have:

a.    Designed such disclosure controls and procedures, or causedsuch disclosure controls and procedures to be designed under oursupervision, to ensure that material information relating to theregistrant, including its consolidated subsidiaries, is made known tous by others within those entities, particularly during the period inwhich this report is being prepared;

b.    Evaluated theeffectiveness of the registrant's disclosure controls andprocedures and presented in this report our conclusions about theeffectiveness of the disclosure controls and procedures, as of the endof the period covered by this report based on such evaluation; and

c.    Disclosed in this report any change in theregistrant's internal control over financial reporting thatoccurred during the registrant's most recent fiscal quarter (theregistrant's fourth fiscal quarter in the case of an annualreport) that has materially affected, or is reasonably likely tomaterially affect, the registrant's internal control overfinancial reporting; and

5.    The registrant's othercertifying officer and I have disclosed, based on our most recentevaluation of internal control over financial reporting, to theregistrant's auditors and the audit committee ofregistrant's board of directors (or persons performing theequivalent functions):

a.    All significant deficiencies andmaterial weaknesses in the design or operation of internal control overfinancial reporting which are reasonably likely to adversely affect theregistrant's ability to record, process, summarize and reportfinancial information; and

b.    Any fraud, whether or notmaterial, that involves management or other employees who have asignificant role in the registrant's internal control overfinancial reporting.

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|-----------------------------------------------|--|--------------------------|--|----------------------------------------------|--|--|--|--|--|--|
| Date:    November15, 2004 |  | By:                      |  |     /s/ DONALDEPSTEIN    |
|                           |  |      |  | DonaldEpstein                                |
|                           |  |      |  | ChiefFinancial Officer—MortgageIT,Inc. |
|                                               |

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