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Joe Soto

VP of Mortgage Lending
17011 Beach Blvd, Ste 900, Huntington Beach, CA 92647
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NMLS: 175142
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This is not the first time we have done business with Joe Soto and Guaranteed Rate Mortgage. As usual, this has been an amazing process with no frustration. I appreciate all the hard work that has been dedicated to us and will always recommend Joe Soto and Guaranteed Rate. Thank you for the amazing customer service and making us feel appreciated!!

Dianah E. -Hesperia, CA | MAR 2016

Joe Soto was amazing to work with. He was extremely professional, knowledgeable, responsive, and friendly. I would recommend him and Guaranteed Rate to anyone looking to obtain a loan.

John H. – Chino Hills, CA | SEP 2015

Jo Soto and his staff gave me peace of mind every step of the way.

Victor A. – Corona, CA | AUG 2015

Joe is great and very professional!

John H. – San Juan Capistrano, CA | Feb. 2015

Joe Soto is a delight to work with. He has a way about him that soothes and calms the nerves that at times we feel when making such important decisions. Customer service is very good, everyone I've dealt with was very polite. Loved that!

Salvador B. – Burbank, CA | Dec. 2014

Joe was very thorough and held my hand throughout the entire process. Always returned my phone calls and never seemed to get frustrated over my silly questions. I am truly blessed to have had Joe Soto as my loan officer. I am going to refer him to everyone that I know!

Christopher C. – Buena Park, CA | Nov. 2014

Joe was very thorough and held my hand throughout the entire process. Always returned my phone calls and never seemed to get frustrated over my silly questions. I am truly blessed to have had Joey Soto as my loan officer. I am going to refer him to everyone that I know!

Christopher C. – Buena Park, CA |

My husband and I worked with Joe on the purchase of our first home. Guaranteed Rate had an awesome rate and Joe and his team made the entire process a smooth one. Joe took the time to come to our home and was willing to answer each and every one of our questions. An excellent experience!


Joe Soto and the team at Guaranteed Rate were AMAZING!!! I NEVER had to wonder 'what is going on with my loan', they were on it every step of the way. The online application process was so easy to use and understand. Joe Soto delivered on what I needed and provided sound advice along the way. Joe Soto is truly a mortgage professional!! Highly recommend his services!

John L.

Joe and the rest of the crew at Guaranteed Rate are very professional and attentive to the needs of the customer. Communication is very important when doing business and they never failed to keep me informed through the whole process. I highly recommend them for your home loan/refi needs.

John F.

Hands down the best loan officer I have come across. Honest and very easy to talk to and understand. Made the loan process go as smooth as butter. We closed within 20 days the fastest I have ever closed and during the process he would keep me up to date on everything. I heard from Joe every single day to keep me in the loop he was very involved the entire time. He is very charismatic and absolutely a magnificent person to work with. I will definitely refer him to all my loved ones and work with...

Shannon U.

I truly believe that without Mr. Soto I would not be the owner of this house today. Just when I had almost given up hope, Mr. Soto was researching every and any possible way to move the process along with the short sale lender. With hold-ups and errors along every step of the way with the selling agent, escrow, title the only consistent performer was Mr. Soto. I will and have recommended Mr. Soto to ANYONE that is looking to obtain a loan.

John and Tiffany L. – CA

Jose was very pleasant to work with, promptly returned calls and emails, even on the weekends when I knew he was at home with his family. You get to really know your loan processing agent when you get down to the nitty gridy of final approval, and the way that Jose would talk about his family, you could tell that he was just an all around good man. A man of good morals and ethics! I would highly recommend him to everyone!

Alex and Jamie B. – CA

With hold ups and errors along every step of the way with the selling agent, escrow, title the only consistent performer was Mr. Soto. I will and have recommended Mr. Soto to ANYONE that is looking to obtain a loan. There is no price tag for honesty.

John and Tiffany L. – CA

My experience was flawless. Joe Soto helped with my refinance. Joe was terrific - communicated the progress and process clearly - I always knew where we were and what was next. It was all very professional but also friendly and comfortable. I have done refinances before that were stressful and hard. This one was neither. It saved my house, lowered my interest rate and payment. I am very happy I did this.

Susan H. – CA

Jose Soto at Carrington worked magic to keep us in the fold,getting us a great rate with very low refinance costs. His clear communication and eagerness to help without being pushy and obnoxious made the whole process easy and pleasant. Thanks especially to Jose and to Carrington for working hard to keep a happy customer happy.

Christine L. – WA

It was a great experience working with Jose Soto through entire transaction in the City of Orange. I'm looking forward to continue doing business with him. Jose you are the Best!!!!!

Sylvia M. – Realtor

Jose Soto stepped in and promptly qualified my client for one of the Carrington properties. He took the process step by step until it funded. I thank Jose for his caring and concern in getting Iris her property.

Connie M. – Realtor

Thanks to Jose S for all of the hard work to help bring the Anaheim Hills transaction to a successful close. Were it not for him, my client would not be owning this home today. Were it not for him, my end of this purchase would have been extremely difficult. His attention to detail, not just in the loan process, but in all aspects of this purchase, was beyond any loan officer's call of duty. He took responsibility for this deal, and made sure that dead lines were met. He communicated with the...

Dainie C. – Realtor

It was a pleasure collaborating with CMS to achieve the common goal of getting the Buyers into their first home. A special thanks to Jose Soto for going over and beyond his duty in this process. His time and efforts are sincerely appreciated! He is very reliable and promptly replies to phone calls and emails. And overall, looks out for the Buyers' best interests. Looking forward to future transactions. Thank you

Atul C. – Realtor

Jose worked hard for us. There were several road blocks along the way, but I believe without a shadow of doubt, he was truly a God-Send. He didn't give up and it really kept me going. He kept us informed of every thing as the loan process progressed from one step to the next. We didn't have to wonder what was going on. When we reached the final approval and was ready to close, Jose was all over it. He kept up with us from the time he took over the loan until the very end. Thank God, Carrington...

Toni G. – TX

Jose Soto was professional and did his best to explain the process of purchasing a home. He always returned phone calls and made a long hard trial as comfortable as possible.

Susan B. – FL

Just closed escrow on my dream home with Joe Soto at my loan officer. He was such a pleasure to work with. I am a Realtor with Remax and have worked many transactions with different lenders and mortgage companies. When it came to purchasing my own home Joe was my # 1 choice to work with. My escrow moved along smoothly and our loan was funded on time. Joe was a professional and knowledgeable. You could tell he loves what he does because you can hear his smile through the phone. I have been and...

Angie S. – Realtor

Jose was a pleasure to work with on our home loan. me and my wife purchased a home in la Mirada December of 2011. for 292,000. and my wife and me really enjoyed working with Jose, he was very knowledgeable, courteous,respectful, and funny& great family values. he did his best to get us the best interest rate. Thank you for getting us into our first home.

Mr & Mrs Ruben G.

I started the process of purchasing a foreclosed home July 2010 and closed on it the following October. It was an uphill battle the whole time. However, it never would have been possible to navigate around all the obstacles without the knowledge, experience, and can-do attitude of my now forever-favorite loan officer Joe Soto! His personal touch approach to customer service made all the difference! We were in constant communication, and he stayed motivated to help me resolve issues in a very...

Tambre P. – TX

In April of 2012 Jose Soto made my families dreams come true. We were able to purchase our beautiful home because of him. In a time when fraud and greed are rampant and it is hard to know who to trust it was a relief to have a man of integrity on our side. If you give him the opportunity he will reward your faith with dedication, loyalty, and honesty. You will not find a harder working individual. I am grateful for having had the opportunity to work with him and would jump at the chance to...

Scott and Melanie K. – CA

I have been very pleased with the service you have gave my clients with your availability and great working ethics. My clients needs are my first priority and you have met them. Thanks Jose.

Imelda H.

About Joe

Husband, Father, and all around good guy. I believe that you should always treat people the way you want to be treated and life is short so you should enjoy the ride. I have been in the mortgage business for 13 years. I have seen the good days and the REALLY bad days. I have been blessed to form many great relationships over the years and almost 100% of my business comes from referral. Past clients, friends, family and realtors have trusted me to help their friends and family because I treat people the way they want to be treated and will guide you through the process of buying or selling your home from A to Z!

Joe interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
13 years and I love the people. That feeling that people have when they buy a home is the best thing in the world. I am happy to be a part of the process.
Who is your typical customer and what questions do they typically have?
There is no such thing as a stupid question. I know it sounds cliche but its true. My clients can ask me just about anything and I will do my best to advise them properly
What specific steps do you use to help your customers find the best home loan for them?
Its all about the Payment!! I use the Mortgage coach to give clients options so that they can see what works for THEM! They know their budget much better than I do!
How long have you been in the mortgage business? What awards have you won?
For 13 years I have been a top producer at multiple companies including President's Club here at Guaranteed Rate!
What advice would you give new or first time home buyers?
Have a plan, know your numbers and get ALL of the paperwork done up front!!!!
What part of the home loan process do customers find most difficult and how do you help them through it?
The paperwork! I love checklists so I send my clients a checklist of what we need but you should be really organized and ready to send ANYTHING should we ask for it!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When not working I am a homebody! I love spending time with my wife and 2 daughters. For me family is the most important thing in the world!
Tell us something that makes you unique or something wacky, yet interesting about you?
I have 2 different size feet. I don't know why but I really need to fix that! :)

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