

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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Reviews from Web
As new homebuyers on a budget, Joe was patient and informative, explaining our options and walking us through the process. In the tough South Bay market, Joe and his team did not skip a beat, whether assuring the seller, or providing very competitive...
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I've been working with Joe Soto for several years now, and I can confidently say that he is one of the most knowledgeable and experienced lenders in the business. He has a deep understanding of the complexities of lending and ADU financing...
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Reply from Owner
November 23rd, 2023 05:11 PM
Thanks my Frien
Joe and his team were great to work with! Our home loan was also able to close early. This team is extremely communicative, friendly, and made the whole process easy from start to finish. I would highly recommend them to anyone looking for...
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Reply from Owner
November 23rd, 2023 05:11 PM
Thank you!!!
Joe and his team are amazing! This being my first home purchase, I was nervous about the process of buying a home and didn’t know what to do expect. This was probably the easiest purchase I’ve ever had to make! Joe and his team were very professional...
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Reply from Owner
November 23rd, 2023 05:12 PM
6 stars!!! Thanks!!
I had the privilege of working with Joe Soto in his team in 2021. As the market was extremely competitive at the time, I feel Joe was a huge part of my offer being accepted. Along with my realtor, Joe was in constant contact with the listing...
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Reply from Owner
November 23rd, 2023 05:12 PM
Teamwork makes the dream work!!
Joe and his whole team were really easy to work with, even from Wisconsin and dealing with a different time zone. They coordinated really well with everyone who was involved in the purchase of our home and have great follow-up communication...
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Reply from Owner
November 23rd, 2023 05:23 PM
Thank you for the kind words Emily
I worked with Joe on a refi and my rate was very good and he was the only person that was able to get me a conventional loan thanks Joe
Reply from Owner
January 18th, 2026 03:54 PM
Thank you, Danielle.
The Joe Soto team executes at such an exquisite manner, that just leaves you speechless. I wouldn't recommend going anywhere else.
Reply from Owner
January 18th, 2026 03:54 PM
Thank you, thank you thank you
Joe and his team worked wonders for me and my family. Their hard work and dedication made it possible for us to buy our home. Without them it would not have been possible.
Reply from Owner
January 18th, 2026 03:54 PM
I appreciate you, Carl. All the best to you and your family.
Joe Soto and his team have helped me with two different home purchases. They are very patient and helpful and do what they can to get you financed. I’d definitely use them again.Joe is very nice and funny, too.
Reply from Owner
January 18th, 2026 03:55 PM
Thank you so much.
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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