Joe Soto

Branch Manager

NMLS #175142

6101 Ball Road, Suite 201
Cypress, CA 90630
(714) 820-1535 (714) 820-1535
[email protected]
Specializes in
Purchase and Refinance
Refinance Loans




At Joe Soto Team - Cross Country Mortgage , we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (investor) or Multi-Family, we'll fit your needs!

My mom always worked 2 jobs growing up. At the time it just seemed like the norm but as I got older I realized that things were difficult for her but she always did what was best for me and did everything possible to provide. I learned that nothing comes without hard work and dedication. I learned that God and Family are the most important things in life and that you always treat people the way you want to be treated.

Growing up, owning a car was a fantasy, owning a house was unimaginable at the time. Now I pride myself in helping families experience the joys of home ownership. I realize that owning a home is a life-long dream for most and I value the ability to be part of that process. I know that if this is your first home or your 5th, its still a nerve wrecking process but I am here to guide you and answer all of your questions.

I would be honored to help you with life's biggest transaction!


Recent Posts and Articles

  • Shopping Around for A Home | Find the Best Loan to Buy your Home

    Are you ready to buy a house? Browse our broad selection of mortgage products and loan officers to find the best fit for your home financing situation.

  • Buying a Home or Refinancing a Loan | Overview of Home Loan Products

    There is no right or wrong answer when it comes to selecting a mortgage. Whether you’re buying a home or refinancing your current mortgage, there are several programs to choose from to help you reach your financial and personal goals.

  • Expand Your Horizons By Refinancing Your Mortgage |

    Refinancing a mortgage does more than lower mortgage interest rates. Discover how you can get closer to achieving your life goals after refinancing your loan!

  • Reasons You Should Consider Refinancing

    Trying to decide if you should refinance your mortgage? We’ve crafted a list of reasons why refinancing your mortgage could be the right fit for you!

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoother

  • 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.

Quick Contact Form

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