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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Business Hours
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24 hours(Open now)
Thu
24 hours
Fri
24 hours
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Reviews from Web
Justin is incredibly personal and helpful. I can't thank him enough for the work he did with our family and our first home. Always very easy to get ahold of and extremely knowledgable as well.
Reply from Owner
October 7th, 2025 12:00 AM
Lem,Thank you so much for the kind words! It truly means a lot to be part of such an important chapter in your family’s life. I’m grateful for the trust you placed in me and so glad I could help make the journey to your first home a smooth...
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was very helpful from the beginning of the process both going over our existing situation and finances to our planned situation and finances. Communicated the status often and always available and quick to respond to questions.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Ryan - Thank you so much for your kind words! It was an absolute pleasure working with you & Seth again. I'm thrilled to hear that you felt supported and well-informed throughout the process. If you ever have more questions or need assistance...
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Justin Cotton has received a review with 5 star rating from Ryan M
Reply from Owner
October 7th, 2025 12:00 AM
Thank you Ryan for the kind feedback. It was a pleasure working with you and Seth again. Congrats on the new home!!
Justin Cotton has received a review with 4.83 star rating from Clifton J N H
Reply from Justin Cotton
January 28th, 2025 02:55 PM
Thank you, Clifton for the kind review. It was a pleasure working with you all. Congrats on the new home.
Justin not only knows exactly what's going on at any moment, but can show it and explain it as many times as it takes, with incredible patience. His purpose is to make the buyer confident and comfortable with their decisions. There is seriously...
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Reply from Justin Cotton
January 24th, 2025 11:29 PM
Marc,Thank you so much for your thoughtful review! It means a lot to hear that you felt confident and comfortable throughout the process—that’s always my goal. I believe that making informed decisions is key, and I’m happy I could provide clarity...
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Justin came highly recommended from my realtor and is easily the best Lender I could've worked with. He's super knowledgeable, patient, and conscientious. He has no issue answering any questions, as he wants the buyer to feel comfortable and...
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Reply from Owner
October 7th, 2025 12:00 AM
Marc - Thank you so much for your kind words! It was a pleasure working with you throughout your home-buying journey. I’m glad I could help make the process comfortable and empower you to make the best decision for your future. Congratulations...
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My entire experience with NEO Home Loans and Justin Cotton was incredible from start to finish. Justin was patient and kind I lived a few states away and closed on the house in Sherwood, AR from my living room, with a Notary. During the process,...
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Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much for the kind words, Dale! We're thrilled to hear that you had a great experience working with us, even from several states away. It was our pleasure to ensure a smooth process and support you at every step. Helping you connect...
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Everything
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Chris, Thank you for the kind review. It was a pleasure working with you all again.
Because it's Justin - He is GREAT! - Always helpful in finding the best solutions to help my clients land the home of their dreams. Best Lender around for Home Loans.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Amy - Thank you so much! I’m glad to be a part of helping your clients find their dream homes. It’s always a pleasure working with you!
Everything was handled quickly and efficiently. Loan approved timely even with a shortened closing period.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Thank you for your kind words! We’re so glad to hear everything went smoothly and on time, even with the shorter closing. It was a pleasure working with you again! Congrats on the new home.
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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