The Soto Team
Your Future Our Focus
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6101 Ball Road, Suite 101 Cypress, CA 90630 Mobile (714) 235-6010 Tel (714) 820-1535 [email protected]
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- Purchase
- Refinance
We’ll be with you every step of the way
Homeownership is full of surprises, but the mortgage application process doesn’t have to be. Find out why homeowners and real estate agents who work with The Joe Soto Team at America’s #1 Retail Mortgage Lender often refer their friends and family.
Our clients come back, year-after-year, for additional home financing and refinancing services because our award-winning customer-service team is not only friendly and always accessible, but they make the process easy-to-understand and get the job done right, the first time. The only surprise is how quickly we will get your deal to closing.
A mortgage that is right for you
Feel confident the terms of your mortgage agreement are well-within your financial means and will not make you “house poor.” Our specialists personally walk you through multiple payment scenarios to find loan term that fits inside your personal comfort zone.
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Guides and resources
How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Joe’s testimonials
Meet our team
Joe Soto
- Originating Branch Manager
- NMLS #175142
- 6101 Ball Road
- Suite 101
- Cypress, CA 90630
- [email protected]
- mobile 714-235-6010
- tel 714-820-1535
Jenny Schippers
- Loan Officer
- NMLS #252146
- 6101 Ball Road
- Suite 101
- Cypress, CA 90630
- [email protected]
- mobile 714-801-5715
- tel 714-793-8189
Eric Whitcomb
- Loan Originator
- NMLS #395360
- 6101 Ball Road
- Suite 101
- Cypress, CA 90630
- [email protected]
- mobile 714-493-1210
- tel 949-339-1946
Irvin Lopez
- Mortgage Advisor
- NMLS #457584
- 6101 Ball Road
- Suite 101
- Cypress, CA 90630
- [email protected]
- mobile 562-276-3027
- tel 714-820-9062
- fax 714-820-9062
Our support staff
Ashley Blodgett
Branch Administrative AssistantErica McPeck
Pre-Approval Specialist
Rita Arredondo
Pre-Approval Specialist
Alisha Boyd
Team CaptainMy social posts
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.