

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
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Joe Soto at CrossCountry Mortgage has received a review with 5 star rating from Paul D
We had a really great experience working with the CrossCountry Mortgage team. The whole process felt smooth and well-managed from start to finish.I especially want to thank Marianne Davis, the Senior Loan Processor, for going above and beyond...
read more
Reply from Joe Soto
March 24th, 2026 02:28 PM
I'm glad to hear about your great experience with CrossCountry Mortgage, Paul. It's wonderful that Marianne Davis could help ensure the process was smooth and well-managed. She truly exemplifies dedication to her clients. If there's anything...
read more
Joe Soto and his team helped us with a home equity loan when we needed to make improvements on our home. The process was fast, easy and very professional. We are very pleased with our experience.
Always a GREAT experience with the SOTO TEAM!!!!
Reply from Joe Soto
March 12th, 2026 04:15 PM
I really appreciate the feedback and am looking forward to working with you again.
Joe Soto at CrossCountry Mortgage has received a review with 5 star rating from Daniel L
We felt very much supported by Joe and his team. Buying our first home was intense, but Joe and his team communicate very effectively and made us feel like they were 100% on our side and we would not have wanted to gone through this process...
read more
Reply from Joe Soto
March 10th, 2026 02:21 PM
It means a lot to hear that you felt supported during your first home buying experience, Daniel. I'm grateful for the trust you placed in me and my team throughout the process. Knowing that our communication helped you feel confident and at...
read more
easy steps clearly illustrated allowing for a very short escrow period.
Reply from Joe Soto
March 9th, 2026 06:40 PM
I'm pleased to hear that the steps were clear and facilitated a quick escrow period for you, Wade. Ensuring a smooth process is always a priority. If there's anything else you need or any questions you have, feel free to reach out.
The communication and transparency were outstanding. Access to visual tools for review and staying informed about changes was awesome. We often referred to the link and referenced the different payment models outlined during our house search,...
read more
Reply from Joe Soto
March 6th, 2026 06:09 PM
I'm pleased to hear that the communication and visual tools were helpful during your house search, Kimberly. Ensuring clarity and transparency is important to me, and it's great to know that the resources provided aided your decision-making...
read more
What an impressive team! "Unparalleled service! Joe Soto and the CrossCountry Mortgage team unquestionably represent the highest standards within the industry. They are personable, efficient, professional, and meticulous. They facilitated a...
read more
Joe Soto and the CrossCountry Mortgage team were outstanding from start to finish. We were able to close escrow in just 18 days, and the entire process was handled with clear, specific, and efficient communication.Joe secured a very competitive...
read more
41–50 of 162
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
View All
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
View All
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095