We recently refinanced our primary residence and are completely satisfied with the service we received from Justin with Courtesy Mortgage. He was very knowledgeable, courteous, and very accessible. It didn't matter if I emailed, called or sent a text, Justin responded quickly. It was the weekend and I had a question, I sent Justin a text and a couple minutes later I got a response. He explained the entire refi process to me in plain English and gave me realistic timelines. I would recommend Justin and Courtesy mortagage to anyone looking to refinance their home.