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Justin Sheftell

Zillow All Star

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Director of Sales (12 years experience)

HARP 2.0, Refi Plus, Open Access

Add personality to your profile! Tell the community about yourself, your home, and your profession.

Courtesy Mortgage has been working with California homeowners on their refinance and purchase needs since 1997.

We offer the full complement of HARP 2.0 available products including Unlimited Loan to Value for both Fannie Mae and Freddie Mac eligible loans and we allow LPMI transfers if necessary.   

This includes DU Refi Plus and Freddie Mac Open Access underwriting.   Both are avaiable with no minimum FICO score.  As long as you have made your last 12 mortgage payments timely on a HARP eligible loan, there is a great chance we can approve your HARP refinance. 

With California property values now on the rise the following scenarios are currently most popular.

Cash out for Home Improvement
Cash out for Debt Consolidation
Refinance from FHA to Remove Mortgage Insurance

If your home has increased in value it could be worth looking closer to see if this will allow you to lower your payments or improve your monthly cash flow.

We are proud to have been contributing to the Zillow community for over 5 years now and always welcome any questions or inquiries you might have for California property.   Hope to hear from you.

Justin Sheftell NMLS#287667
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Ratings & Reviews


12/02/2014 - abake1911
Closed refinance loan.

Hands down the best experience I had. I was in the process of doing a refi with Loan Depot an having trouble with the process. They would go days without response an just seemed to not be very knowledgable as they advertise to. So I found Justine an saw he came highly recommended an I must say he knows the business an works his best to reach the goal of whoever he is working with. He was very responsive an kept me frequently updated.

Also working with another company the process was going to cost me a lot to complete the loan process. He not only did what I needed but he saved me money in the process. I can't say enough but if you need help with home loans , refi ect I recommend you contact him ASAP!
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11/26/2014 - aschofro
Closed refinance loan. Vacaville, CA

Justin was amazing! He was helpful, knowledgeable and extremely accurate. He responded to all of my emails and calls promptly and was able to clarify any questions I had. I highly recommend him for all of your mortgage needs!

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10/25/2014 - colm38
Closed refinance loan. Willow Glen, San Jose, CA

I was in the middle of a refi with another mortgage company who I felt was not upfront about costs from the beginning and was not answering many questions I had based on estimates they were sending me. They were not direct and at times could (or did not) answer my questions. So I turned to Zillow and posted the questions trying to find and clarify answers to questions my lender didn’t provide. Justin at CMG was extremely helpful, responded to questions immediately and in way that was clear and concise for the novice refinancer. He did not attempt to solicit business, just provided answers. After getting information from Justin and my lack of trust in the lender I had been working with I opted to back out of my refi with the lender and decided to contact Justin myself and do my refi through him. Justin was extremely knowledgeable, responsive at even off business hours via e-mail and provided multiple interest rates and explained how each one would effect me both short-term and long-term. He was extremely thorough and efficient and my loan was processed and closed within the month. I would highly recommend Justin at Courtesy Mortgage!  More Less 

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