

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
Working with Joe was so effortless and relaxed! He took care of so many things so that we could focus on the other aspects of buying a house. He was so quick to respond to all of our questions, and he made us feel very taken care of. He was...
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Joe and his team are first class! Excellent communication, flexibility on finance options, and extremely helpful in explaining scenarios, terms, the process, what to expect, etc. Highly recommended.
La verdad que es súper recomendable! Joe es super atento, se tomo el tiempo de explicarnos absolutamente todo. Nunca habíamos sacado un crédito por lo que teniamos muchisimas dudas. Estuvo pendiente y disponible en cada paso del proceso. Y...
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E guilleaume is my married name: We bought a house a year ago it was our first house, and the Soto team helped us every step of the way answering all our questions and just being there for us! I would highly recommend them and will use them...
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This review is a long awaited one! Joe had been “courting” me for a while. Sending me things to catch my attention (AIDA) which of course I immediately RND’. Why remake the wheel? Relentless and persistent he was and of course you want that...
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Joe Soto has always gone the extra mile for my wife and myself, whether it was finding a way to secure a mortgage or assessing the requirements for a possible reverse mortgage. He is always ready to provide the extra time and effort to do what's...
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Reply from Owner
June 20th, 2026 11:37 PM
Thank you Carl! :)
Joe Soto at CrossCountry Mortgage has received a review with 5 star rating from Swastika R R
Reply from Owner
May 23rd, 2022 02:09 PM
thank you!!! :)
I've had the pleasure of working with Joe for about 7 years now, and I can assure you that he is by far one of the best lenders you will ever have the opportunity to work with. The team is excellent at communication, follow up and just doing...
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Reply from Owner
May 23rd, 2022 02:10 PM
I appreciate you Mr. SImons!! :)
I can't say enough about Joe Soto and his amazing team. He made miracles happen for me and my client and got the job done with flying colors. He went up and beyond for my client and appreciate all his hard work. Joe walked my client through...
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Reply from Owner
May 23rd, 2022 02:10 PM
You're the bomb Kim!!! :)
Very friendly, very timely, and full of knowledge! If you're looking for a lender, make sure to reach out to Joe & his team!
Reply from Owner
May 23rd, 2022 02:10 PM
Thank you Jessica!!!
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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
Gallery

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