Headshot of Joe  Soto

Joe Soto

Branch Manager

Office Phone:
[email protected]

CrossCountry Mortgage
6101 Ball Road, Suite 201
Cypress, CA 90630


About Joe

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!


Resources & Tools

Learn more about our 21 day loan process and home loan options as well as utilize some helpful tools and resources.

21 Day Loan Process

We can close most loans in as few as 21 days! Learn about the 5 step process for our program here.

Mortgage Checklist

Make sure you have all the necessary required documents and information during the loan process with this checklist.

Mortgage Calculators

Determine your mortgage payments, refinance savings, and compare renting vs. owning a home.

Renovation Loans

Looking to buy a fixer-upper or want to make repairs to your current home? Learn all about getting started here.