

Joe Soto at CrossCountry Mortgage
Regional Vice President | NMLS #175142


School of Hard Knox
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Cypress, CA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner consideri... Show More
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Joe and his team are the BEST! They respond super quickly with requests and are kind and patient every step of the way. This is the third property I've financed with Joe and all 3 times it has been great. Sometimes these loans require the lender...
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Reply from Owner
April 11th, 2024 10:24 PM
Thank you for your fantastic review, Casey! We truly appreciate your continued trust and support in financing your properties with us. Cheers to many more successful transactions together!
Joe Soto at CrossCountry Mortgage has received a review with 5 star rating from Wade L
Great team and everyone is polite.
Everyone was super helpful and informative!
As first time home buyers there was so much we didn’t know. Joe took the time to answer all of our questions and find us an even better rate than other quotes we’d gotten. Not only did he work hard for us but showed such professional manner...
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Reply from Owner
April 3rd, 2024 06:24 PM
Thank you Anna for your kind words and wonderful review! We are thrilled to hear about your positive experience as first-time home buyers. We are delighted that you found the home buying process smooth and enjoyable. We truly appreciate your...
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Joe and his team were very helpful for me and my wife as first time home buyers. They were very patient explaining every aspect of the lending process and left no stone unturned with all the questions we had. Appreciate the super fast close...
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I've had the pleasure of working with Joe and his wonderful team on three different home loans. Each time my experience reinforces why I never consider going elsewhere. Always upbeat and responsive, they make the process easy, educational and...
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I have been in touch with Joe for about 7 years when we bought out first home. At that time we went another route for our financing but what was great about Joe is that he didn’t take it personally or in vain. Over that time Joe has been a...
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Reply from Owner
January 18th, 2026 03:54 PM
Thank you so much, Mike. I really appreciate you.
I have been in touch with Joe for about 7 years when we bought out first home. At that time we went another route for our financing but what was great about Joe is that he didn’t take it personally or in vain. Over that time Joe has been a...
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I highly recommend the Soto team to anyone searching for a lender. Joe is very personable and responsive. Joe and his team answered all of our questions in plain terms and broke it all down for us when we did not understand something. Their...
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Cypress, CA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #175142 | Branch NMLS #1784789
Products & Services
Mortgage Lender
Conventional Home Loan
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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Education
- School of Hard KnoxFinance & Real EstateDoctor's DegreeJan 2010

Positions
- Cross Country Mortgage - Branch Manager Aug 15th, 2018 - Current
Memberships
- NAHREP Top 250
- PWR Memeber
- Scotsman Guide Top LO
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Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- 175142
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Videos




Awards
Achievements
- #1 Loan officer in US (according to my Kids)
Hobbies
- Father, Husband, all-around good guy
- Move my body everyday
- Go Yankees
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Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095