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Your Local CrossCountry Mortgage Loan Officer

Joe Soto

  • Regional Vice President
  • Cypress, CA Mortgage Loan Officer
  • NMLS # 175142
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I’ll be with you every step of the way

Hello! I’m Joe Soto, a mortgage professional at America’s #1 Retail Mortgage Lender with over 20 years of experience helping clients secure the right home financing with clarity and confidence. I specialize in working with self-employed borrowers and clients with complex income, helping them qualify using bank statements and 1099 income. I also guide first-time homebuyers through FHA loans and down payment assistance programs.  

Whether you’re buying your first home, investing in real estate or looking for options after being declined by another lender, my team and I focus on building smart loan strategies that get results. Known for clear communication, fast closings and consistent five-star reviews, I’ll provide a simple and straightforward experience from pre-approval to closing. 

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

Get Started – Fixed Get Started – Flex

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