Justin Cotton
NEO Powered by Better
New Mexico State University
"We believe successful homeowners – who have a plan to maximize their wealth and minimize their monthly expenses – make better neighbors and build stronger communities for us all. We created the NEO logo as a symbolic commitment to our rela... Show More
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24 hours(Open now)
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24 hours
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24 hours
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Reviews from Web
The whole team worked awesome for this !! They are a credit to neo Neo home loans!! Tom maille
Reply from Justin Cotton
May 21st, 2026 02:02 PM
Thank you so much, Tom! We truly appreciate the kind words.It was a pleasure helping you through the process, and I’m grateful for the opportunity to serve you. I’ll make sure the entire team sees this — they’ll really appreciate it.Congratulations...
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Justin's team always makes the process much easier to navigate and keeps tbings moving
Reply from Justin Cotton
May 11th, 2026 05:07 PM
Jennifer, Thank you so much for the kind words! We truly appreciate the opportunity to help and Michael purchase another investment property and love to see what you all are building. We're grateful for your trusted in our team through the...
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You anticipated and planned for EVERYTHING - and I mean everything. You guys are like a han machine. Human in that you engaged in the easy and hard conversations, held my hand, listened to my fears and concerns, and addresses every one of them...
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Reply from Justin Cotton
May 11th, 2026 05:08 PM
Anna, It was a blast working with you and Thank you so much for such an incredible review. This truly means a lot to our entire team. Buying a home can be complex, emotional, and sometimes stressful, so our goal is always to anticipate the...
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If you want the world’s best mortgage experience….call Neo!!!!! Trust me on this one - it will be an unbelievable experience!
Reply from Owner
May 7th, 2026 12:00 AM
Thank you so much for the kind words — that truly means a lot!Congratulations again on the new beach house… what an exciting chapter! I hope you enjoy every moment there and make some amazing memories.Grateful for the opportunity to be part...
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They made me feel like somebody was on my team. Helping me. I am so thankful.
Reply from Justin Cotton
March 4th, 2026 08:08 PM
Ryan,
Thank you so much for the kind words and for your partnership. We couldn't have done it without you.
Justin
Justin and his team are amazing! The entire process was super easy and there was great communication throughout the process.
Reply from Justin Cotton
February 27th, 2026 02:32 PM
Thank you so much for the kind words! We truly appreciate your partnership and the trust you’ve placed in us since day one. It means a lot to our entire team to be part of your journey, and we’re grateful for the opportunity to help make the...
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Use them!!! The entire Cotton team is phenomenal. Communication is great and they will help you throughout the entire process to keep you on track.
Reply from Owner
March 7th, 2026 12:00 AM
Thank you so much for the kind words! We truly appreciate your partnership and the trust you’ve placed in us since day one. It means a lot to our entire team to be part of your journey, and we’re grateful for the opportunity to help make the...
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I highly recommend Justin Cotton. I contacted him for a mortgage on a short term rental. I made the mistake of going with Truist Bank because I had a relationship with them as my main bank. Truist was difficult to work with and I contacted...
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Reply from Owner
May 7th, 2026 12:00 AM
Hey Aaron, Thank you so much for the thoughtful review — I truly appreciate you taking the time to share your experience.I’m glad I was able to help you navigate things and get everything across the finish line, even under less-than-ideal circumstances....
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Unfortunately Justin was extremely rude. I am looking to buy my second home and he was condescending rather than uplifting and educating. He ended up hanging up on me. This is after I submitted all of my information to his portal. Wild experience!...
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What made the experience great was how smooth and stress-free the entire process felt. Justin explained everything in a way that was easy to understand, stayed in constant communication, and never made us feel rushed or confused. He was down-to-earth,...
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Reply from Justin Cotton
February 27th, 2026 04:56 PM
Thank you so much for this incredible review. Reading this truly means a lot to me and our entire team.Our goal is always to make the process feel clear, calm, and organized — not rushed, confusing, or overwhelming. Buying a home is a big decision,...
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About
"We believe successful homeowners – who have a plan to maximize their wealth and minimize their monthly expenses – make better neighbors and build stronger communities for us all. We created the NEO logo as a symbolic commitment to our relationship with you. We believe the closing of your home loan is where our relationship and guidance begin. As your financial situation evolves and changes, we will be the constant guide you can count on. We aspire to become the most valuable person in your life when it comes to real estate and finance. Ultimately, our success as a company is not measured by how many loans we do, but by how successful you become."
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Mortgage Lending - Purchase, Refinance, Construction, HELOC's, Investment
FHA Loans
VA Loans
Government Loans
Purchase Loans
Refinance Loans
First Time Homebuyer Loans
Conventional Loans
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Education
- New Mexico State UniversityAccounting and FinanceBachelor of Science in Finance
Memberships
- Chamber of Commerce
- Certified Mortgage Advisor (CMA)
- MBS Highway
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS 1437587
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Hobbies
- Exercising
- Snowboarding
- Volleyball
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Disclaimer
BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. The Better Home Logo is Registered in the U.S. Patent and Trademark Office. © 2026 Better Home & Finance Holding Company and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans: Better Real Estate, LLC and Better Real Estate California Inc License # 02164055 provides real estate services; Better Cover, LLC sells insurance products; and Better Settlement Services provides title insurance services; and Better Inspect, LLC provides home inspection services. All rights reserved. Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 1 World Trade Center, Floor 80, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access