Exhibit31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER

I,Glenn J. Mouridy, certify that:

1. I have reviewed thisquarterly report on Form 10-Q of MortgageIT Holdings,Inc;

2. Based on my knowledge, this report does notcontain any untrue statement of a material fact or omit to state amaterial fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleadingwith respect to the period covered by this report;

3.Based on my knowledge, the financial statements, and other financialinformation included in this report, fairly present in all materialrespects the financial condition, results of operations and cash flowsof the registrant as of, and for, the periods presented in thisreport;

4. The registrant's other certifyingofficers and I are responsible for establishing and maintainingdisclosure controls and procedures (as defined in Exchange Act Rules13a-15(e) and 15d-15(e)) and internal control over financial reporting(as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)), for theregistrant and have:

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;

b.designed such internal control over financial reporting, or caused suchinternal control over financial reporting to be designed under oursupervision, to provide reasonable assurance regarding the reliabilityof financial reporting and the preparation of financial statements forexternal purposes in accordance with generally accepted accountingprinciples;

c. 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

d. disclosed in thisreport any change in the registrant's internal control overfinancial reporting that occurred during the registrant's mostrecent fiscal quarter (the registrant's fourth fiscal quarter inthe case of an annual report) that has materially affected, or isreasonably likely to materially affect, the registrant's internalcontrol over financial reporting; and

5. Theregistrant's other certifying officers and I have disclosed,based on our most recent evaluation of internal control over financialreporting, to the registrant's auditors and the audit committeeof registrant'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 overfinancialreporting.

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|----------------------------------------------|--|--|--------|--|--|---------------------------------------------------------------------------------------------------------------------------------------------|
| Date:    November8, 2006 |  |  | By:    |  |  | /s/ GLENN J.MOURIDY                     |
|                                         |  |  |   |  |  | GlennJ. Mouridy President and Chief FinancialOfficer                                                                                        |
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