Headshot of Joe Soto

Joe Soto

Branch Manager

The Soto Team

NMLS #175142


About Joe

Joe Soto, NMLS# 175142, has been a trusted mortgage specialist since 2004. In 2021, Soto and his skilled team of mortgage professionals with a combined 50+ years of experience, closed over 290 units for $142 million in loan value. His performance has earned him the recognition as one of the top loan producers in the country from Scotsman Guide© (2017-22) and he’s also been ranked in the top 1% of national production by Mortgage Executive Magazine for two consecutive years (2018-22).

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 Los Alamitos, CA.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


Trusted by Real Estate Agents

Agents trust us with their clients because they know we will get the deal done right the first time, and FAST. We reduce the time buyers will spend in escrow, so agents can spend more time focusing on new listings.

The Soto Team is proud to be a featured presenter with the following agent associations:

  • Pacific West Association of Realtors Pacific West Association of Realtors logo
  • Rancho Southeast Association of Realtors Rancho Southeast Association of Realtors logo

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