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
Working with Justin Cotton and the entire team at Neo Home Loans made buying a home an incredibly fast and easy process. Justin was everything you’d hope for in a loan officer, down-to-earth, easy to talk to, and always on top of communication....
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Reply from Owner
January 7th, 2026 12:00 AM
Danielle - Thank you so much for taking the time to share this, and for trusting us to be part of your home-buying journey. We truly appreciate your partnership throughout the process — your communication and responsiveness made everything...
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Justin saved me a bunch of money in closing costs. He was happy to answer all of my questions and explained things with examples that I could understand. I mentioned previously that Justin and Kori were always on top of things and ready to...
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Reply from Justin Cotton
May 11th, 2026 05:09 PM
Joan, It was a pleasure working with you and glad we were able to step in and reduce your costs by thousands: Thank you so much for the kind words! I’m grateful we were able to help save you money and make the process easier to understand along...
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Thank you for smooth and seamless transaction that closed earlier than expected and with prompt, professional communications throughout the process. It was a pleasure working with you.
Reply from Justin Cotton
May 11th, 2026 05:12 PM
Jami,Thank you so much! It was truly a pleasure working with you as well. Your professionalism, communication, and commitment to your clients made the process smooth from start to finish. We’re grateful we could help get this closed early and...
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Thank you for a smooth and seamless transaction. My clients were thrilled to have closed early on their home. The communication and professionalism was top notch throughout the transaction. It was a pleasure working with you.
Reply from Owner
January 7th, 2026 12:00 AM
Jami,Thank you so much for taking the time to share this! I truly appreciate your partnership throughout the transaction — your communication and professionalism made everything move smoothly on both sides.Closing early is always a great win,...
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Like I had mentioned before, Justin and his team are in it for the right reasons. You could tell they truly care about whom they work with and do everything in their power to give the best deal with the best home. My Wife and I are absolutely...
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Reply from Justin Cotton
December 1st, 2025 03:00 PM
Thank you so much for your kind words and trust in us! You made our job easy and we're truly grateful for your partnership throughout this journey. Congratulations on buying your first home—it's been a pleasure to work with you and your wife,...
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More communication needed
Overall the team did an amazing job at staying on top of us to ensure that my husband and I provided all of the documentation that was require. Justin walked us through the home buying process step by step which is what we wanted and we are...
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Reply from Justin Cotton
September 25th, 2025 05:51 PM
Thank you so much for the kind words! I truly enjoyed working with you and Joseph — you both were amazing throughout the process. Your speedy replies and the way you stayed on top of everything made such a difference.We always see this as a...
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Justin Cotton has received a review with 5 star rating from Kimmie S
Reply from Owner
December 7th, 2025 12:00 AM
Kimmie,
Thank you for the kind feedback and it was a pleasure working with you all. Congrats on your beautiful new home.
Justin Cotton
none applicable
Transparency. Honesty . integrity. I did not feel gouged, rushed, pushed, or uncomfortable at any stage in the process. I cannot recommend Justin and his team enough. Thank you Neo Home Loans!
Reply from Justin Cotton
September 5th, 2025 02:09 PM
Luke - Thank you so much for the kind words! Truly grateful for the chance to work with you—it was an absolute blast helping you through this process. Justin
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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
Gallery
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