The Soto Team group photo

Cypress, CA Mortgage Lender

6101 Ball Road, Suite 101
Cypress, CA 90630

tel Phone
714-820-1535
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Awards

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.

Your potential kitchen if you buy a home with CCM loan officers in Cypress, CA

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.

  • 2021 $139.3 Million Funded
  • Over 50 Years Experience

Meet Our Support Staff

At Your Service & Here to Help

Helping your home financing process go smoothly.

GALLERY

Our Vision — Then & Now

Our Mission & Goal

Recent Posts and Articles

Blog

  • Couple reading documents
    Published on

    What Are Closing Costs?

    What are closing costs? Here we break down the various fees that are included in closing costs and discuss how you may be able to reduce your out-of-pocket obligations. 

  • Published on

    What is a Loan Contingency?

    A loan contingency can help buyers protect their earnest money offered and keep their options open until the financing is complete. Here is everything you need to know about a loan contingency and why it may be a good idea to include them in a home purchase agreement.  

  • A woman reading on a laptop
    Published on

    What is an Assumable Mortgage Loan?

    Different kinds of mortgages offer distinct sets of pros and cons to the prospective homebuyer. For a new homebuyer, there is one financial option you may not know exists — an assumable mortgage. Learn the ins and outs of an assumable loan so you can determine whether it is the right mortgage product for your homebuying needs.

  • Veteran father and his son
    Published on

    What are the Benefits of a VA Loan?

    If you’re a current or former member of the U.S. Military, you may qualify for a VA loan, which allows you to purchase a home without a down payment. That’s just one of the advantages you receive from a VA loan. Keep reading to explore the additional home loan benefits of VA loans.

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