

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
Joe Soto's team was outstanding and worked with us every step of the way. They were even available after hours when we had questions.
All of the staff was very helpful and there was always someone to talk to about the mortgage process. Joe was especially helpful and available to us even after hours.
Reply from Joe Soto
May 19th, 2026 05:28 PM
I'm happy to hear that you found the team helpful and accessible, John. I'm glad I could be there for you and provide assistance even after hours. If there's anything else you need, please don't hesitate to reach out.
Joe & his team provided excellent service in selecting the best HELOC to fit my needs. Erica & Alisha were very helpful & patient in walking with me through the process, which went quickly & smoothly. I'll definitely return to The Joe Soto...
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Joe and his team were fantastic. They are all highly knowledgeable on the process and were able to not only get me the best deal but explain why it was the best deal for me. They walked me through everything and were very helpful along the...
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The care and commitment from Joe and his team were the highest standard ive had the pleasure of dealing with they were all able to walk me through every step of the process which was very helpful they got me the best deal I could get and explained...
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Reply from Joe Soto at CrossCountry Mortgage
May 4th, 2026 01:16 PM
I'm pleased to know that you felt well-supported by my team and me, Michael. It's great to hear that we could assist you through each step of the process and secure the best deal for you. If you have any further questions or need assistance,...
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Working with Joe and his team was fantastic. Very helpful all through the process.
Joe and everyone on the team!
Reply from Joe Soto
April 24th, 2026 08:14 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
You and your collegues are very professional and personable. You made our experience very pleasant and easy.
Reply from Joe Soto
April 20th, 2026 08:49 PM
Thank you for your kind words, Judy. I'm grateful that you found our approach both professional and personable, and that we could make the experience pleasant and easy for you. If there's anything else I can assist with, please let me know.
The Joe Soto team was nothing but exceptional to work with! They were so helpful & informative during the home buying process, walked me through every step & really put me @ ease! ☺️I’m grateful and happy to have had the Joe Soto team as my...
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Reply from Owner
April 3rd, 2026 12:37 AM
Thank you soooooo much!!!! Congrats to you!!!!
I found The Joe Soto Team to be very professional, knowledgable, and friendly. They answered every question I had with respect. I felt comfortable asking questions that may have seemed elementary to them. I would definitely use them again.
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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