

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
Every person on Joe Soto's team was amazing to work with. They are very informative and quick to respond, even on the weekends. Even after we closed, they answered any question we had that came up. In the beginning we were debating on whether...
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Reply from Owner
June 25th, 2026 12:17 PM
Thank you so much for the kind words and congratulations!
Satisfechos
Reply from Joe Soto at CrossCountry Mortgage
June 22nd, 2026 08:38 PM
Luz, I'm glad to know that you're satisfied with your experience. If there's anything more I can do for you, please feel free to reach out.
Joe and Alisha were always personally invested in our welfare and success. We probably spent 2 plus years in researching our mortgage with Joe and his staff, and they stuck with us all the way to a successful end.
Reply from Joe Soto at CrossCountry Mortgage
June 22nd, 2026 04:16 PM
It's great to hear that you felt personally supported by both Alisha and me throughout your mortgage journey, Carl. I'm pleased that our commitment over the years led to a successful outcome for you. If there's anything else you need, please...
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Joe Soto has been with us since we bought our townhome in Anaheim Hills in 2017. He has helped us with everything having to do with buying a house, refinancing and just plain keeping in touch. He has been a wonderful partner in life stuff!...
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Reply from Owner
June 11th, 2026 02:26 PM
You and Carl are the best!!
Joe Soto and his team did a great job. They were always there to answer questions even late at night. We couldn’t have asked for better. Go four the Soto team if you’re going to buy a new home. They are outstanding!!!
Reply from Owner
June 6th, 2026 10:43 PM
Thank you so much! Congratulations.
We had an amazing experience working with Joe for our first home financing. As first-time homebuyers, we had a lot of questions and explored several lenders before making a decision. Joe stood out from the beginning with his professionalism,...
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Reply from Owner
June 20th, 2026 11:40 PM
THANK YOU SO MUCH FOR THE KIND WORDS!!!!
Enjoyed working with Joe. He is friendly and communicative throughout the process.
Reply from Owner
July 19th, 2026 04:45 PM
You are the best thank you
Joe is friendly and patient and makes clients feel important.
Reply from Joe Soto
May 25th, 2026 06:27 PM
It was great working with you. Thanks again for putting your trust in us.
Yes great experience and all I need they help us
Reply from Joe Soto
May 22nd, 2026 08:15 PM
I'm glad to hear that you had a great experience, Veronica. It's nice to know that we were able to help with everything you needed. If there's anything else I can assist you with, please feel free to reach out.
Have worked with Joe and his team before. The whole team was supportive throughout the entire proces, thanks again to the CrossCountry team!
Reply from Joe Soto
May 21st, 2026 08:57 PM
I'm thankful for your continued trust, Alejandro. It's great to hear that you found the team supportive throughout the process. If there's anything else you need, I'm here to help.
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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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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