Cypress, CA Mortgage Lender

The Soto Team

6101 Ball Road, Suite 201
Cypress, CA 90630

Phone
714-820-1535 714-820-1535
Email
[email protected]

NMLS #1784789

Awards

About the Soto Team

We provide clear, honest and efficient mortgage lending solutions so homeowners can close with confidence.

Homeownership is full of surprises, but the mortgage application process doesn’t have to be. Find out why homeowners and realtors who work with The Joe Soto Team often refer their friends and family.

Our clients come back, year-after-year, for additional lending 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 fit inside your personal comfort zone.

Solutions for new buyers and existing mortgages.

Buyers with pre-approvals have the advantage in a red-hot market

Imagine moving into your new home in less than 30 days, thanks to our experienced and efficient team of mortgage specialists. You’ve waited long enough to cross the threshold. Don’t let a complicated mortgage process delay things even longer.

Do you already own a home and are looking to refinance? Stop sacrificing your future savings at the expense of overpaying on home loan interest. Imagine being able to save for college, buy a second home, and pay off debt once you’re saving hundreds on your monthly mortgage payments.

Let us show you how much more quickly you can achieve financial freedom by locking in today’s low rates.

At CrossCountry Mortgage, your future is our focus.

Joe Soto, NMLS# 175142, has been a trusted mortgage specialist since 2004. In 2019, Soto and his skilled team of mortgage professionals with a combined 50+ years of experience, closed over $55 million in loans. His performance has earned him the recognition as one of the top loan producers in the country from Scotsman Guide© (2019) and he’s also been ranked in the top 1% of national production by Mortgage Executive Magazine for two consecutive years (2018-19).

Soto has been tapped by both the Pacific West Association of REALTORS© and the Rancho Southeast Association of REALTORS© to teach continuing education classes for real estate professionals all across Southern California.

Soto is married and a father of two girls. A native of Brooklyn, New York, Soto and his family proudly reside in Orange County.

  • 2019 $53 Million Funded
  • Over 50 Years Experience

Meet Our Support Staff

At Your Service & Here to Help

  • Winning the Homebuying Game in a Seller’s Market

    Give yourself the competitive edge you need to buy the home you want—before someone else does

  • How to Find the Right Home Renovation Contractor

    Temperament, Track Record & Trust Outweigh the Cost Factor in Home Remodeling

  • Financing a Fixer-Upper: What You Need to Know About Renovation Loans

    Stop dreaming. Start fixer-upping! Find out how you can create the home of your dreams.
     

  • 2 Questions to Ask When Refinancing a Mortgage

    Cash-out refinance or home equity loan, shorter term or lower payments—there are many ways to go with a refi.

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