The Joe Soto Team

The Joe Soto Team Our team has over 50 years in the industry, we’ve transformed the dreams of homeownership into tangible realities for countless individuals and families.
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Our expertise? Tailoring financing solutions to fit your unique story. Joe Soto | Mortgage Lender | The Soto Team

Helping first-time buyers, self-employed clients, and investors get approved with the right strategy. We specialize in working with self-employed borrowers using bank statements and 1099 income, along with FHA loans and programs that help with down payment. If you’ve been told no or a

ren’t sure where to start, we’ll walk you through your options step by step.

20+ Years Experience | 5-Star Reviews | Lending in all 50 states

NMLS #175142 | Branch NMLS #1784789

Had to try this! A little about your favorite loan guy!!!Have an outstanding day! ❤️💞❤️
05/29/2026

Had to try this! A little about your favorite loan guy!!!

Have an outstanding day!

❤️💞❤️

Help!!! So many countries people need help to buy a home!!!It’s a formula that so many people are using these days!What ...
05/26/2026

Help!!! So many countries people need help to buy a home!!!

It’s a formula that so many people are using these days!

What are your thoughts, help now or leave an inheritance!??

05/23/2026

Sometimes it doesn’t make sense to refinance.

If you were adding additional costs or extending the term then maybe you shouldn’t do anything.

If you are currently in the process of refinance and wanna make sure it’s a good financial move. Send me a DM.

If you don’t know, now you know.Our team is here to support clients and realtors throughout the scariest purchase of the...
05/23/2026

If you don’t know, now you know.

Our team is here to support clients and realtors throughout the scariest purchase of their life.

We pride ourselves on great communication from start to finish as well as making sure you get the best deal on the market and the best loan for your situation.

05/17/2026

back in the day banks for giving clients loans that had a fixed interest rate for two years and a three-year prepayment penalty. That caused a major problems but things are different now.

We’re seeing more and more clients taking a loan with a penalty. Why???

Because most of the time that offers decline a lowering interest rate, and the reality is that they don’t plan to do anything with the property for the next one, two or three years.

Nearly half of Americans would oppose an AI data center being built in their neighborhood… more than any other type of d...
05/15/2026

Nearly half of Americans would oppose an AI data center being built in their neighborhood… more than any other type of development tested, according to a recent national survey from Redfin.

Jobs and tax revenue on one side. Higher utility bills, noise, and environmental concerns on the other.

Where do you stand?

05/13/2026

When paying off your debt, should you start with the highest balance or the highest interest rate?

The answer may be neither.

Most people believe that the debt snowball method is the best way to pay off your debt.

You actually start with the smallest debt and then when that one is paid off, you take the money that you were putting towards that one and pay the next one

Essentially, you are going to snowball the payments from smallest to largest

Mentally themselves too because you will actually see your balances getting to zero.

All the reasons to not work with me and my team. clearly, if you just want mediocre service, then I’m not the right guy ...
05/12/2026

All the reasons to not work with me and my team.

clearly, if you just want mediocre service, then I’m not the right guy for you.

Address

6101 Ball Road Ste 101
Cypress, CA
90630

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