Justin Padron
Branch Manager
Hi, I’m Justin. Buying a home or refinancing doesn’t need to feel overwhelming. At NEO, my team and I cut through the noise and make the process clear, straightforward, and stress-free. We’ve got a wide range of loan options, competitive ra... Show More
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24 hours
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24 hours
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24 hours
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Reviews from Web
Justin helped my fiance and I throughout the entire home buying process. He was very informative about every step and it showed how knowledgeable he was. He was very quick to respond to any question and concern. He's super friendly and easy...
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Justin is fantastic! He answered EVERY re-fi question imaginable. Importantly, he did it in a way that ensured we understood the answers in terms we could understand. Justin went above and beyond to earn our business and is eager to help more...
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Reply from Owner
October 9th, 2019 12:00 AM
Thank you Charlie. You and Crissy were fantastic to work with and I know my team absolutely loved getting to work with you. We take pride in our ability to communicate and answer any and all questions. Congratulations on dropping your rate...
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Justin made the refinance process quick and painless. The communication was frequent and my wife and I stayed well informed with where we stood. It was a quick turn around. Most importantly Justin told me what to expect and delivered on everything...
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Reply from Owner
October 9th, 2019 12:00 AM
Garrett thank you my man. It was an honor to get to work with you and Jen. Thank you for trusting my team and me to deliver. Congratulations on dropping your rate a full percentage point. Excited for you and your family!
This was my first time purchasing a home, so therefore I was very unfamiliar with the process. Justin made this process incredibly easy and an overall a very enjoyable experience. From the very first phone call to after closing Justin was incredibly...
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Reply from Owner
September 25th, 2019 12:00 AM
Ryan, you are the man! Thank you so much for trusting my team and me to help you with the process and I am glad we were able to deliver a memorable experience for all of the right reasons! Thank you for the kind words and we are so excited...
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We were recommended by our realtor to use Justin and Watermark Capital and couldn't have asked for a better experience. Justin is in this business for the right reasons and it was evident in the first 2 minutes of our first phone call. He took...
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Reply from Owner
September 25th, 2019 12:00 AM
Wow thank you for the kind words! Our clients are family and deserve to be treated as such. You will never be just a number to me and I am so glad you felt that through our many conversations. It was an honor to be able to help you and Michelle...
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My wife and I just bought out first home, and Justin and his team made the whole process a breeze. Justin is a very knowledgeable guy when it comes to finding what makes sense for us. He made sure we found a loan/rate that was perfect for us....
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Reply from Owner
September 25th, 2019 12:00 AM
Armando, I cant thank you enough for putting your trust into my team. We were thrilled we earned your business. I know you spoke with several other lenders and the fact that you chose us and saw the value that we bring to our clients means...
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Justin did a fantastic job helping my wife and I get the lowest rates possible and even made a financial spreadsheet for us so we could break down all the numbers on selling and purchasing a new home. He’s honest, intelligent and I felt like...
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Reply from Owner
September 25th, 2019 12:00 AM
Clint thank you sir. It was our honor getting to assist you and Melody in the purchase of your new home. (Gorgeous by the way!) Super pumped for you guys we were able to put a great plan in place to help you guys achieve your goals. Thank you...
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I hired Justin to refinance my mortgage. Justin presented me with the best option for my situation. His communication and expertise were spot on. He was a pleasure to work with and I would highly recommend him.
Reply from Owner
September 5th, 2019 12:00 AM
Casey, thank you so much. I appreciate the kind words. I was thrilled by staying patient we were able to drop your rate over 1/2 a point! Thank you for trusting me! I look forward to keeping up with you and Justin and hope to see you both soon....
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I've worked with Justin twice - once for my initial home mortgage and then for my loan refinancing. He makes the entire process easy and seamless - everything is handled professionally, efficiently, and with as little hassle to the borrower...
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Reply from Owner
September 5th, 2019 12:00 AM
Ruth, thank you so much for the kind words. I know my team has loved every moment getting to work with you on your purchase and your refinance. Thank you again for trusting my team. We will continue to take care of you. Hope to see you soon!...
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Justin was very helpful in helping my fiancé and I buy our first house. If you want someone who is extremely caring and genuinely trying to get you the best deal possible for your house, Justin is your man. He made our first house buy so easy...
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Reply from Owner
September 5th, 2019 12:00 AM
Anthony! Thank you so much man. I really appreciate the kind words! Getting to help you and Bay was awesome! I know my team loved getting to work with you as well. We hope you are enjoying your new home and I am looking forward to the wedding...
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About
Hi, I’m Justin. Buying a home or refinancing doesn’t need to feel overwhelming. At NEO, my team and I cut through the noise and make the process clear, straightforward, and stress-free. We’ve got a wide range of loan options, competitive rates, and a crew that’s always in your corner. My job is to give you the right game plan and walk with you step by step so you feel confident from start to finish.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
Mortgage Lending
FHA Loans
VA Loans
Government Loans
Purchase Loans
Refinance Loans
First Time Homebuyer Loans
Conventional Loans
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2017
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 1661929
Hobbies
- Coaching Youth Sports
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