Welcome To Joe Soto Team - Cross Country Mortgage

At Joe Soto Team - Cross Country Mortgage , we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

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We work conforming and non-conforming real estate loans.

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We can help you lock in a long term fixed rate and get out of your ARM.

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Latest News

A Global Downturn Will Test Investors' Taste for Liquor

Shares of liquor brands have fallen less than brewers during the Covid-19 outbreak.


There are lots of good reasons to choose an FHA loan.

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FHA Home Loans

Satisfied Clients

  • We purchased a new home in Cypress. Our previous lender was difficult to contact or get any info. We switched our loan to Joe Soto Team (JST). The best decision we ever made. Our experience was like night and day. JST kept us informed of the progress of the loan application, contacted us if additional documents are required and reassured us that the loan will timely close. If you want good communication and peace of mind, go with Joe Soto Team!!

    Emily C Los Alamitos, CA

  • Joe Soto is the man when it comes to your mortgage!!! Seriously whatever problems may arise, rest assured he and his team will solve them and get you into your HOME!!

    Andrew Carrillo Newport Beach, CA

  • The Joe Soto team rocks! Joe took the time to chat with my husband and I providing detalied information that was informative and necessary as first time home buyers with little to no knowledge of the process. Joe was patience, informative and provide the best experience of home buying. His team is professional and reliable 100%

    Malerie Gomez Whittier, CA

  • Joe and his associates were fabulous and were always there to assist me in obtaining my loan. I didn't have to ask for anything as they gave me timely updates along the way. Signing of loan documents was a breeze as everything was done online. They also sent the Notary Public to my house for the final loan docs. I highly recommend Joe Soto and his team.

    Daisy Garcia Downey, CA

  • Joe Soto earned our trust throughout the loan process. He worked extremely hard to get us the lowest possible rate, overcame many obstacles, was available when we needed him, and got us the loan we needed in the timeframe we needed it in. Thanks Joe!

    Alison Bickel

  • Joe Soto and his team made this home loan process so easy. This is our second loan and it was by far the easiest. Joe was quick to answer any questions we had, even when he was out of the office. They did an excellent job!!! I would refer this team to anyone looking for a home loan. Thank you, Joe and team, for all of your hard work!! It is much appreciated.

    Ryan M. Orange, CA

  • Joe Soto and his team are AMAZING! Very easy to work with and made our 2nd home purchase experience flawless! We just about forgot we were even buying a home! I would highly recommend Joe and his Rockstar team to anyone! You will not regret using them!

    Hilary W. Canyon Lake, CA

  • I couldn't be happier with Joe and his team. He made what was a very stressful process - the purchase of my first home - very easy. I had been working with a previous lender on my loan but she wasn't able to deliver and Joe stepped in last minute and was not only able to offer me a lower rate but was able to close on a short notice in less than 3 weeks! He really goes above and beyond and takes time to explain every step and is always available to answer questions along the way. I would not hesitate to recommend him and would look forward to working with him in the future!

    Nona M. San Francisco, CA

  • Joe was a HUGE help with the purchase of my Fiance and I's home. When looking around, our dream home happened to be a bit higher in cost than expected AND the sellers wanted a short escrow. Long story short, her and I have big smiles on our faces still to this day, all thanks to the work Joe put in for us.

    Tyler K. Murrieta, CA

  • Definitely customer service and satisfaction is Joe Soto' s number one priority. He is always looking out for your best interest.

    David N. Mendez Jr.

  • We were in the process of obtaining a mortgage from a broker that couldn't deliver what he promised. We called up Joe and he solved everything and got us the mortgage he said he could. An upfront honest straight shooting east coast guy. Being a guy from Jersey myself, there's nothing more comforting during this stressful time.

    Brian G. Orange, CA

  • Using Joe and his team to refinance my home was a blessing, Joe helped and guided us through the entire process, each time I called him was like talking to an old friend or a cousin of mine. He took the time to explain the small details, most of the time we would end up talking about other things not related to the refi. Him and his team are very professional and on top of things. Been able to refinance my house was a huge step for us and we wouldn't have been able to do it if it wasn't for Joe and his team. I highly recommend Joe for any type of lending.

    George R. Westminster, CA

  • I have worked with a few loan officers in the past, and Joe and his team has blown them all out of the water. They are extremely professional and very helpful. I did my homework on a few different lenders and Joe's rates have been better than all of them. Will definitely be coming back to them for my home buying needs in the future

    Jeffrey H. La Palma, CA

  • Oh my goodness, Joe Soto is by far the best Mortgage Lender in the business hands down. I don't usually leave Yelp reviews for this is only my 2nd one, but the service I received by Joe Soto could not go unnoticed. Joe has a way of making you feel like you are his only client reassuring you that things will be ok. Even with the lending hiccups he is there to hold your hand. His attentiveness and professionalism is ABSOLUTELY AMAZING which makes him stand out from the rest. I've refinanced more than a couple of times in my home owning life and even though this was the hardest one... Joe Soto made me feel at ease and assured me that everything will be ok. I really needed that attention and I am truly thankful. You can know for certain, not only will I be a Joe Soto client for life but my referrals to him will be endless. A true stand up guy and now a lifelong friend. Thank you, Joe, for everything!

    Lisa L. Bellflower, CA

  • I was in escrow on my home with a shortened loan contingency period. I was using another lender who pulled the rug out from under me at the last minute. I was scrambling for another lender and came across Joe on yelp. He called me before I even finished the application and after 45 minutes referred me back to my other lender so see if I could work it out. It didn't, so I switched lenders. Joe knew my time constraint and spoke with me daily to give me updates and/or calm me down off my stress ledge. His team was able to get everything done on time and kept both agents updated often so I wouldn't lose the house. I have spoken with a lot of lenders who I consider to be "used cars salesman." It was so refreshing to find a lender who was honest and trustworthy every step of the way. I would recommend Joe without hesitation.

    Lauren M. Brea, CA

  • I have been in the loan business for over 20 years and Joe Soto is one of the most honest, professional people I know in the business. He promptly returns calls, is a wealth of information, and has helped me get deals of my own done "just because". I even refer business to Joe as he is an expert in purchase loans. Sometimes this business gets a little cutthroat and it is great to know a fellow loan professional who helps everyone "make it great"!

    David D. Huntington Beach, CA

  • Joe Soto and his team was a pleasure to work with. Been a first time home buyer he made sure that the process move smooth as it could possibly go. Joe and his where always professional 100% of time. If i ever had any question about any part of the process, they were always answered in a quick timely manner (via text, calls, and emails). One of the best part about working with Joe is that he always had a positive attitude and outlook on thing even when you thinks are not going the way you think it should go. Any body who in the market to buy or refinance there home, I would highly recommend Joe Soto and team. A+ work!!!

    Justin Downey, CA

  • Joe was on a list of recommended brokers from my realtor cousin. After speaking to a couple of agents and doing my own sleuthing (Yelp/ Zillow etc), I decided his team was it. From the first consult to the signing at the end, the service was top notch. I had an unusual situation that the other agents said they could " look into/ figure out" or could do it only with some ridiculous 30-year rate. Joe was the only one that could explain to me how he has done this type of loan in the past. Contact him and his team; they're awesome!

    Kat Sak B. Los Angeles, CA

  • Learned about living trusts from Joe at a seminar in the OC. Also the ins and outs of real estate transactions details and tips. Especially was amazed at a seven-day contingency and 10-day escrow program. Great person to speak with on such matters. Up front and frank straight-shooter. Highly recommend.

    John P. Downey, CA

  • Joe and his team were absolutely the best thru the entire buying process. Due to the type of offer we made on our new home, we established very tight deadlines for escrow funds release thru closing. Joe and his team are so efficient they made the dreaded process of qualifying all the way to closing a seamless transaction. We can't thank them enough for the care and professional service they perform.

    Dan W Montana

Loan workspace

Contact Us

Call Us: (714) 820-1535

Email Us: joe@joesototeam.com

Our Address: 6101 Ball Road Ste. 201, Cypress, CA  90630

My mom always worked 2 jobs growing up. At the time it just seemed like the norm but as I got older I realized that things were difficult for her but she always did what was best for me and did everything possible to provide. I learned that nothing comes without hard work and dedication. I learned that God and Family are the most important things in life and that you always treat people the way you want to be treated.
Growing up, owning a car was a fantasy, owning a house was unimaginable at the time. Now I pride myself in helping families experience the joys of home ownership. I realize that owning a home is a life-long dream for most and I value the ability to be part of that process. I know that if this is your first home or your 5th, its still a nerve wrecking process but I am here to guide you and answer all of your questions.

I would be honored to help you with life's biggest transaction!