The Joe Soto Team

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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.

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 aren’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

Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions No. 0919020. This office is licensed and examined by the Office of the Consumer Credit Commissioner of the State of Texas. NMLS #175142 | Branch NMLS #1784789 l NMLS 2006942

What if the seller could help you save thousands on your next home purchase? There are actually 7 ways to use seller cre...
10/16/2026

What if the seller could help you save thousands on your next home purchase?

There are actually 7 ways to use seller credits!

Comment “CREDITS” and I’ll send you the full list of all 7 strategies!

10/16/2026

Why are people liars??

I had a client called me who was three weeks into Escrow and not getting any answers from their lender.

They were getting really frustrated and nervous about losing the house

Turned out that the person that they were working with, didn’t even have a license to do mortgages.

His email signature said he was an area manager, but he did not know the first thing about mortgages

And he should not have been representing himself as a loan officer.

So if you’re ever working with the loan officer, check their license number and make sure it’s their personal NMLS number and not their company number.

This guy was marketing the company number and making it seem like it was his personal license number.

10/14/2026

The bank said NO. That didn’t mean the answer was NO.

This client made great money, but because they were self-employed, their tax returns didn’t tell the whole story.
And that’s where traditional financing can fall short.

Here’s what most people don’t realize: There are mortgage options designed specifically for self-employed borrowers.

Bank statement loans, P&L loans, and other creative financing solutions can open doors that traditional banks can’t.

Just because one lender says no doesn’t mean you can’t buy a home.
Before you give up, let’s look at your options.

DM me “SELF-EMPLOYED” and let’s talk!

The best part of what we do? Hearing stories like these.Every client has a different story. First-time homebuyers, famil...
10/13/2026

The best part of what we do? Hearing stories like these.

Every client has a different story. First-time homebuyers, families searching for their forever home, or homeowners exploring their next chapter.
But our commitment is always the same: Find solutions, go the extra mile, and treat every client like family.

These reviews mean more to us than you know. Thank you to everyone who has trusted The Soto Team with one of life’s biggest financial decisions.

Your goals. Our commitment. Every step of the way.
Thinking about buying, refinancing, or exploring your options? Let’s talk!

10/12/2026

Want to buy another investment property but worried you won’t qualify?

Here’s something many investors. Don’t realize you may not need to qualify using your personal income.

With the DSCR loan, lenders can use the properties rental income to help to determine eligibility, making it possible to continue growing, your real estate portfolio.

More properties, more opportunities, a smarter way to invest.

The truth is, nobody knows exactly where mortgage rates are headed. They could go down, but they could also keep climbin...
10/08/2026

The truth is, nobody knows exactly where mortgage rates are headed. They could go down, but they could also keep climbing.

If you’re planning to buy a home in the next 12 months. You need a strategy.

That means understanding your buying power, knowing your financing options, and being prepared for different rate scenarios.

After 20+ years in the mortgage business, one thing I know for sure: Hope isn’t a mortgage strategy.
Preparation is.

Thinking about buying in the next year? Let’s build a game plan that works for you, regardless of where rates go.

FirstTimeHomebuyer

Property taxes can look VERY different depending on where you buy.On a $400,000 home, estimated annual property taxes ra...
10/05/2026

Property taxes can look VERY different depending on where you buy.

On a $400,000 home, estimated annual property taxes range from over $7,000 in Illinois to around $1,200 in Hawaii, based on the rates shown here.
And this matters more than people realize.

When you’re buying a home, it’s not just about the purchase price and interest rate. Property taxes can have a major impact on your total monthly payment and buying power.

California comes in at #32, at roughly $2,772 per year on a $400K home based on this comparison.

Thinking about buying locally or moving to another state? My team lends in all 50 states, and we can help you compare the numbers before you make the move.

What state surprised you the most?

09/30/2026

Missed the Dream For All Program?
That’s okay we have programs where you can get up to $25,000 in down payment assistance.

Comment DPA below and I can send you our flyer with options.

Before you tell your seller to drop the price, run the numbers. A $15,000 price reduction may sound significant, but wha...
09/29/2026

Before you tell your seller to drop the price, run the numbers.

A $15,000 price reduction may sound significant, but what does it actually do for the buyer’s monthly payment?

In this example:
$15K price reduction → about $82/month in savings
But using that same $15K as a seller credit toward a rate buydown → about $341/month in savings.

Same $15,000.
Very different impact.
This is one of the strategies builders use every day. They don’t just sell the price of the home. They sell the payment.

Realtors, before your seller makes another price reduction, let’s look at whether we can use those dollars differently.

Have a listing that’s sitting? DM me “PAYMENT” and I’ll run the numbers for you.

Address

6101 Ball Road Ste 101
Cypress, CA
90630

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