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
Wed
24 hours(Open now)
Thu
24 hours
Fri
24 hours
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Reviews from Web
Justin and his team had excellent communication and delivered on everything they promised. They created a relationship with my client built on trust. They worked incredibly hard, were able to navigate hurdles and get the deal to the table in...
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Reply from Justin Cotton
January 24th, 2025 11:29 PM
Thank you so much for the kind words! It was a pleasure working with you and your client. We're thrilled we could build that trust and deliver on our promises, especially with such a tight timeline. Your partnership and communication were key...
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I always love working with Justin. He is prompt, attentive, communicative, thorough, and professional. He makes sure to put the client first.
Reply from Owner
October 7th, 2025 12:00 AM
Misty, Thank you for the kind words. We enjoy working with you and count our selves luck to have partners like you.
Justin is a TOP NOTCH lender. He has helped multiple clients of mine and has even saved a deal that another lender dropped the ball on so that my clients were able to close on their home in time. He answers when you need him, explains the details...
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Reply from Owner
October 7th, 2025 12:00 AM
Thank you so much for this fantastic review! We’re honored to be your go-to lender and grateful for the trust you place in us to take care of your clients. Stepping in to keep a deal on track is what we’re here for, and making sure clients...
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Justin and his team are the best in the business! He saved my clients from losing the home they were set to purchase, and they were so grateful I referred them to him! They are professional, efficient, highly knowledgeable, and give world class...
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Reply from Owner
October 7th, 2024 12:00 AM
Chelsea, Thank you so much for the kind words! We're really glad we could help your clients get into their new home. It's always our goal to provide top-notch service and make the process as smooth as possible. Thanks again for the support!
Justin is amazing to work with. I highly recommend him.
Reply from Owner
October 7th, 2025 12:00 AM
Amy, Thank you for the kind words. We enjoy working with you too!
After dealing with a very disappointing lender for approximately 4 weeks, our realtor reached out to Justin and his team for help. They were able to successfully close our loan in 9 days. We felt so traumatized after the first experience and...
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Reply from Justin Cotton
January 24th, 2025 11:29 PM
Nicholas, Thank you for the kind words. We enjoyed working with you all.
Justin Cotton has received a review with 5 star rating from Nicholas G
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Thank you, Nick!
Everyone made purchasing a home an easy and understandable process.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Melissa, Thank you for the feedback and the kind words. We wish you all the best.
Justin Cotton has received a review with 5 star rating from Britinny R
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Britinny, Thank you for the kind words.
Great open and honest communication. Follow-up was also excellent.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Thank you Mark for the kind words. It was a pleasure working with you.
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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