Exhibit31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I, GlennJ. 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.  | 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: |

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|  | a.  | Designed such disclosure controlsand procedures, or caused such disclosure controls and procedures to bedesigned under our supervision, to ensure that material informationrelating to the registrant, including its consolidated subsidiaries, ismade known to us by others within those entities, particularly duringthe period in which this report is being prepared; |

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|  | b.  | Evaluated the effectiveness of theregistrant's disclosure controls and procedures and presented inthis report our conclusions about the effectiveness of the disclosurecontrols and procedures, as of the end of the period covered by thisreport based on such evaluation; and |

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|  | c.  | Disclosed in this report anychange 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.  | The registrant's other certifyingofficer and I have disclosed, based on our most recent evaluation ofinternal control over financial reporting, to the registrant'sauditors and the audit committee of registrant's board ofdirectors (or persons performing the equivalent functions): |

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|  | 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 |

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|  | b.  | Anyfraud, whether or not material, that involves management or otheremployees who have a significant role in the registrant'sinternal control over financial reporting. |

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| Date:    May 12,2005  | By: |   /s/  GLENN J.MOURIDY                    Glenn J.MouridyPresident and Chief FinancialOfficer |

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