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
Location & Business Hours
Business Hours
Wed
24 hours(Open now)
Thu
24 hours
Fri
24 hours
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Reviews from Web
Justin and his Team did an exceptional job and made the home buying process seamless and painless. I am very grateful!
Reply from Owner
October 7th, 2025 12:00 AM
Hey Luke, Thank you so much for sharing this! We are thrilled for you and your family and grateful we had the chance to be part of this exciting chapter. You were such a joy to work with, and we truly enjoyed making the process smooth — and...
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Justin is incredible. It all starts from the beginning where he takes the time to treat each client as an individual and not a number. He dives deep into their financials to provide a prospective for people that they perhaps did not see before...
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Reply from Justin Cotton
July 9th, 2025 12:18 AM
Thank you so much for your kind words and trust! It means a lot coming from a top professional like you. I truly value our partnership and always strive to provide the personalized attention and guidance that each client deserves. Working together...
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Justin and his team were instrumental in our new home purchase. He gave us otherwise unattainable info and insight into the available options and helped us make the right decisions for our situation. He also guided us through the closing process...
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Reply from Justin Cotton
July 9th, 2025 12:20 AM
Matthew,Thank you so much for your wonderful review! It was truly a pleasure working with you throughout your home buying journey. I’m glad we could provide the insights and support you needed to make the best decisions for your situation....
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I would recommend Justin to all of my clients. It starts from the beginning where Justin treats each of my clients as individuals not numbers. he does a deep dive into their finances to give them a full view of their options (even the unorthodox...
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Reply from Owner
October 7th, 2025 12:00 AM
Kaila, Thank you so much for your kind words and trust! It means a lot coming from a top professional like you. I truly value our partnership and always strive to provide the personalized attention and guidance that each client deserves. Working...
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Justin Cotton and his team are Outstanding! We are beyond grateful for the incredible support we received throughout the home buying process. From day one, they were professional, informative, and truly went above and beyond to make sure we...
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Reply from Owner
December 7th, 2025 12:00 AM
Whitney, Thank you so much for this incredible review! It was an absolute pleasure to walk alongside you and your family through the home buying process. From day one, you stayed engaged, asked great questions, and trusted our guidance, which...
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Justin has a great team at Neo. He knew what we needed and got it all put together in a timely manner.
Reply from Owner
October 7th, 2025 12:00 AM
Mr. Holliman,Thank you so much for your kind words and for coming back to work with us again! It’s always a pleasure to help you, and I’m glad we could make the process smooth and efficient for you this time as well. My team and I truly appreciate...
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Justin and his team were very knowledgeable about what we needed and made it work out to our advantage and saved us a Bunch each month on our budge.
Reply from Justin Cotton
May 11th, 2026 05:11 PM
David,As always, it is great to work with you and glad we were able to serve you all again. Thank you so much for the kind words! We’re grateful we could help structure the loan in a way that worked to your advantage and helped save money in...
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Justin was always on top of everythin!
Reply from Justin Cotton
May 9th, 2025 09:39 PM
Britt,
Thank you! I really appreciate your kind words—it was a pleasure working with you. I’m glad we could help keep things on track and save the deal where the other lender wasn't able to. Wish you and your family all the best.
Justin was always on top of everything. Definitely knows what he’s doing!
Reply from Owner
October 7th, 2025 12:00 AM
Britt,Thank you so much! I truly appreciate your kind words—it was a pleasure working with you. I'm glad we were able to step in, keep things on track, and help save the deal when the other lender couldn't. Wishing you and your family all the...
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Knowledgeable and prompt service. Kori amazing to work with while making the process personal and seamless. Justin incredibly professional and personal.
Overall an amazing team!!!!
Reply from Justin Cotton
April 28th, 2025 12:51 PM
Mrs. Reynolds, Thank you so much for the amazing review! I really appreciate your kind words, and I’m especially glad to hear how much you enjoyed working with Kori—she’s truly one of a kind, and I’m lucky to work alongside her. We both really...
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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