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
Timeliness and open communication
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Lauren, Thank you for kind words. We enjoyed working with you all.
Constent clear and concise communication.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Dakota, thank you for the kind words and take a few minutes to provide valuable feedback. Wish you all the best.
My experience has been a very confusing ride, however every question Ive had has been answered by Mr Cotton and his team in a clear and concise manner. They are prompt in what they do, and always deliver on their promises.
Reply from Owner
October 7th, 2025 12:00 AM
Thank you for sharing your experience! We understand that the process can be overwhelming, so we're glad we could bring some clarity and make things easier for you. Our team is committed to delivering on our promises, and it’s great to hear...
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Justin Cotton has received a review with 5 star rating from Lauren G
Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much for the 5-star review! We're thrilled to know you had a great experience with our team. It was a pleasure assisting you, and we're here for anything you need in the future. Congratulations on your new home!
Justin and his team went above and beyond to close our home loan in 9 days after we were spinning our wheels with another company for over 4 weeks. All lenders are NOT the same. He will be our only call if/when we need a lender again. Outstanding...
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Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much for the wonderful feedback! We know how crucial timing is, and it was our pleasure to step in and get things done quickly for you. Going above and beyond for our clients is what we strive for, and we’re thrilled to hear we...
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As a realtor, I've had the opportunity to work with many mortgage brokers and I can confidently say that Justin stands out as one of the best in the business. His professionalism, expertise, and unwavering dedication to clients makes him a...
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Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much for this thoughtful review! It’s a privilege to work alongside dedicated professionals like yourself, and we’re grateful for the trust you place in us. Staying up-to-date and delivering top-tier service is what drives us,...
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Justin and team are amazing. Would highly recommend!
Reply from Owner
October 7th, 2025 12:00 AM
Thank you for the kind words! We truly appreciate your recommendation and are thrilled to hear that you had a great experience with our team. We're always here to help, so don't hesitate to reach out whenever you need us!
We always recommend Justin Cotton to anyone who’s dealing with the process of buying a home.. He and his team are the best .
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Esmeralda, Thank you for the kind words, these mean the world to my team and I. We wish you all the best.
Justin’s team was extremely professional and helpful in every aspect, I will be recommending Justin’s team to anuone I know that is in the market to purchase a home.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Mr. Morris, Thank you for the kind words and the valuable feedback. This means the world to us. We wish you all the very best.
Best experience ever.. if you need a lender to work with don't hesitate calling Justin Cotton . He is a professional with years of experience..He is going to guide you for your best interest..We cant thank enough working with him ..This is...
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Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much for this incredible review! I'm honored to have helped you with both of your home purchases, and I'm thrilled to know that you had such a positive experience. Guiding you toward the best options is my top priority, and your...
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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