Headshot of Joe Soto

Joe Soto

Branch Manager

The Soto Team

NMLS #175142

Awards

About Joe

Hi, I’m Joe Soto, and I’ve been a trusted mortgage specialist since 2004. In 2021, my skilled team of mortgage professionals, with over 50 years of combined experience, closed more than 290 units, totaling $142 million in loan value. My performance has earned me recognition as one of the top loan producers in the country by Scotsman Guide© (2017-22), and I’ve been ranked in the top 1% of national production by Mortgage Executive Magazine for two consecutive years (2018-22).

In addition to my work with clients, I’ve been honored to teach continuing education classes for real estate professionals across Southern California through the Pacific West and Rancho Southeast Associations of REALTORS©. As a loan officer at our Cypress, CA branch, I’m proud to bring the expertise of America’s #1 Retail Mortgage Lender to every client interaction.

A native of Brooklyn, NY, I now live in Los Alamitos, CA, with my wife and two daughters.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your home equity.
Fast.

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

CCM Equity Express, is fast, secure, and fully automated. A few minutes to apply, a few days to get your funds. That's all it takes.

Emergency vehicles at scene, including two police cars and an ambulance

CCM Line of Duty
Death Benefit

 

Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you.

Learn more

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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Send me a message below or give me a call at 714-820-1535