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 Cotton has received a review with 5 star rating from Amy H
Reply from Owner
October 7th, 2025 12:00 AM
Thank you for the 5 stars! Your support means a lot to us, and we’re grateful for the opportunity to work with you and your clients. Looking forward to many more successful collaborations!
I cannot say what joy it was to work with this team. They went above and beyond
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Michael - Thank you so much for your kind words! It was truly a pleasure working with you, and we're thrilled to hear that you had such a positive experience. Our team is dedicated to going the extra mile, so knowing we helped make the process...
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Justin and his team worked hard to make sure we got the right loan. They worked even harder to help us close quickly. 10/10 recommend!
Reply from Justin Cotton
January 24th, 2025 11:29 PM
William,
Thank you so much for your kind words! It was a pleasure working with you again, and we're thrilled we could help you with this next opportunity.
Sincrelely,
Justin Cotton
Justin Cotton at Neo Home Loans will treat you like family. When I had a lot of tasks to complete, Justin called me before to explain the tasks and called me after . . . “How are you doing, Dale. We’re halfway to the finish line.” If I didn’t...
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Reply from Justin Cotton
January 24th, 2025 11:29 PM
Thank you so much for your kind words, Dale! It was a pleasure working with you and being a part of your journey. I'm thrilled to hear that you felt supported and cared for throughout the process—that's exactly how we want our clients to feel....
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Justin Cotton has received a review with 5 star rating from Dale C
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Dale, Thank you for the kind review! Justin
5 stars isn't enough for Justin and his team. Smart lender and fellow problem solver!!! I have had several clients use him and we've gotten to the closing table early!!!!
Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much for the kind words! It's always a pleasure working together to support your clients' goals and make the process smooth and seamless. Our team loves a good challenge, and we’re always here to find the best solutions to get...
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Justin is not only an amazing lender but person. He takes the time to truly make sure his clients know what each step of the process entails. He is honest, kind, and extremely knowledgeable. As a local Realtor, I never doubt that my clients...
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Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much! It means a lot to hear this from you. Guiding clients with honesty and clarity is what we strive for, and it's a privilege to work alongside someone who shares that commitment to top-notch service. Knowing you have that trust...
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Justin is always very helpful.
Reply from Owner
October 7th, 2025 12:00 AM
Thank you! I’m glad to hear you find our support helpful. We’re always here to make things as smooth as possible for you and your clients. Looking forward to continuing our work together!
Justin Cotton has received a review with 5 star rating from Michael R
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Michael, Thank you for the kind feedback.
Love working with Justin and his team! They always go above and beyond.
Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much! We love working with you too and always aim to go the extra mile. Your partnership means a lot to us, and we’re grateful for the trust you place in our team. Looking forward to many more successful closings together!
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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