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
So easy to work with. I really enjoyed the experience.
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Amy - thank you for the feedback and the kind words. We enjoy working with you.
Justin Cotton has received a review with 5 star rating from Mark M
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Thank you, Mark. :)
Justin was excellent to work with from the very beginning. He was communicative, quick to reply, helpful, and gave great advice.
Kori was very helpful and quick to reply also!
Reply from Justin Cotton
January 24th, 2025 11:29 PM
Thank you, Kathleen for the kind words. It was a pleasure working with you.
From the moment I had my first conversation with Justin, I knew he was going to be the lender for us. He walked us through the entire process, made sure we were making decisions that were financially responsible, and has the heart of a teacher....
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Reply from Owner
January 28th, 2025 12:00 AM
Thank you so much for your kind words! It was an honor to guide you through this journey. Our goal is always to provide clarity, support, and responsible advice, so hearing this means the world to us. We truly appreciate your trust and recommendation!...
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Justin's team was referred to me by my realtor. With a new job, I did not have much time to spend outside the office and was excited to learn that I could do everything online. I was not expecting the amount of work and communication from everyone....
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Reply from Owner
January 28th, 2025 12:00 AM
Thank you for sharing your experience! We're thrilled that our process made things convenient and transparent for you, especially with your busy schedule. Providing clear communication and options is a top priority for us. We look forward to...
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Exceptional company to work with. Very professional and attentive! They gave us the confidence we needed to go out and purchase our very first home. They made us competitive buyers in a crazy market. Their attention to every detail truly sets...
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Reply from Owner
January 28th, 2025 12:00 AM
Kassy - Thank you for your thoughtful review! Helping first-time buyers navigate the market with confidence is what we strive for. We're so glad we could support you every step of the way. Congratulations on your new home!
Where do I even begin?My fiancé' recently got accepted into UAMS graduate school program. We were packing up everything we knew from Florida to go to Arkansas on this new adventure and decided it was time for us to look into the housing market!...
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Justin and his team are the absolute best at what they do! I have purchased several homes before and I have never gotten the top notch treatment that was offered. They all work to keep you informed about each step and are so thoughtful. If...
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Justin and his team were amazing to work with! When I knew that closing on my new home might fall in an inconvenient time with my work, I asked Justin if it would be possible to close a little early. He worked quickly and was able to move the...
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So grateful we found Justin! He truly knows his line of business and made certain to communicate every step of the loan process to us first time home buyers. He helped make our experience stress free by keeping things moving, communicating...
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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