

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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Very knowledgeable and helpful
Reply from Joe Soto
December 3rd, 2025 11:33 PM
Thank you soooooo much!!!! Congrats on your new home!!! :)
Though I previously worked with Joe Soto on the client side, I now have the opportunity to work with him on the transactional side. He and his team are just as exceptional as partners in a transaction as they are when serving clients. Their...
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Reply from Owner
January 18th, 2026 03:47 PM
You are the best! Thank you so much
Joe is one of the most pleasant people I've had the pleasure of working with on the lending side. He's great at providing unsolicited updates, he is professional in every way, and has only ever exceeded my and my clients' expectations. I would...
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Reply from Joe Soto
November 28th, 2025 08:50 PM
It was great working with you. Thanks again for putting your trust in us.
Excellent work and communication by the whole team.
Reply from Joe Soto
November 28th, 2025 06:33 PM
I appreciate your kind words about the team's efforts and communication. It's important to me that you had a positive experience working with us. If you ever have any further questions or need assistance, I'm here to help.
As a Realtor, I had a great experience working with Joe Soto and his team at CrossCountry Mortgage. They were professional, responsive, and made the entire loan process smooth for my clients from start to finish. I highly recommend Joe for...
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Reply from Joe Soto
November 21st, 2025 04:13 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
The process was very clear. if we had any question they were answer right away and was giving all the tools to understand. They were really patient in letting us take the time its needed to gather information needed.
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Reply from Joe Soto at CrossCountry Mortgage
November 17th, 2025 06:45 PM
I'm pleased to hear that the process was clear and that you felt supported whenever you had questions. It's important to me that you were given the necessary tools and time to gather the needed information at your own pace. If there's anything...
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Outstanding customers service, communication and level of expertise .
Reply from Joe Soto at CrossCountry Mortgage
November 10th, 2025 06:16 PM
It was great working with you. Thanks again for putting your trust in us.
Everyone we came into contact was Excellent the greatest experience anyone could ask for Jen and Alisha have been the best
Reply from Joe Soto at CrossCountry Mortgage
October 8th, 2025 06:33 PM
It's satisfying to hear that your experience with everyone involved was positive. I'm glad that Jen and Alisha were able to make a significant impact. Your kind words mean a lot, and if you have any questions or need assistance in the future,...
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Alicia was very helpful in guiding me through the loan process. She was always in contact and kept me up to date on any changes. Then, Marianne helped me complete the loan process for the underwriter. Marianne is extremely upbeat and made gathering...
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Reply from Joe Soto at CrossCountry Mortgage
October 8th, 2025 07:49 PM
I'm pleased to hear that Alicia and Marianne were able to provide you with such excellent support throughout your loan process. It's satisfying to know that their guidance and communication made the experience smoother for you, especially during...
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Joe, Alisha, and Marianne were instrumental in expediting the loan process to meet the deadlines I had with the seller of my property. Communitcation and all information given was clear and easy to understand. Creating the profile on the portal...
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Reply from Joe Soto
September 26th, 2025 05:14 PM
I appreciate your thoughtful review. It's great to know that the communication and resources we provided, like the portal, were helpful during your loan process. I'm glad you felt supported with the updates and timeline. If you have any more...
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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