Exhibit31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I,Glenn J. Mouridy, certify that:

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| 1.  | I havereviewed this quarterly report on Form 10-Q of MortgageIT Holdings,Inc; |

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| 2.  | Based on my knowledge, this reportdoes not contain any untrue statement of a material fact or omit tostate a material fact necessary to make the statements made, in lightof the circumstances under which such statements were made, notmisleading with respect to the period covered by this report; |

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| 3.  | Based on my knowledge, the financialstatements, and other financial information included in this report,fairly present in all material respects the financial condition,results of operations and cash flows of the registrant as of, and for,the periods presented in this report; |

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| 4.  | Theregistrant's other certifying officer and I are responsible forestablishing and maintaining disclosure controls and procedures (asdefined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for theregistrant and have: |

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|   | a. | Designed such disclosurecontrols and procedures, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure thatmaterial information relating to the registrant, including itsconsolidated subsidiaries, is made known to us by others within thoseentities, particularly during the period in which this report is beingprepared; |

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|   | b. | Evaluatedthe effectiveness 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 |

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|   | c. | Disclosed in this reportany change in the registrant's internal control over financialreporting that occurred during the registrant's most recentfiscal quarter (the registrant's fourth fiscal quarter in thecase of an annual report) that has materially affected, or isreasonably likely to materially affect, the registrant's internalcontrol over financial reporting; and |

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| 5.  | Theregistrant's other certifying officer and I have disclosed, basedon our most recent evaluation of internal control over financialreporting, to the registrant's auditors and the audit committeeof the registrant's board of directors (or persons performing theequivalent functions): |

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|   | a. | All significantdeficiencies and material weaknesses in the design or operation ofinternal control over financial reporting which are reasonably likelyto adversely affect the registrant's ability to record, process,summarize and report financial information; and |

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|   | 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:  | November 9,2005 |

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|   |  | By:/s/ GLENN J. MOURIDY                                                                                                                             |
|   |  |         Glenn J.Mouridy        President and Chief FinancialOfficer |
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