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Profile picture for Justin Sheftell

Justin Sheftell

Zillow All Star

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Lender

Director of Sales (13 years experience)

Specialties:
Refinancing,
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.

Our current focus is on helping recent FHA or VA buyers from 2012-2014 take advantage of the Streamline programs available.   With FHA recently lowering monthly mortgage insurance premiums combined with low available rates on government insured loans, the FHA Streamline or VA IRRRL are able to benefit a good portion of buyers who used this type of financing for a recent purchase.

Additional areas that are seeing a high level of activity (With California property values on the rise in recent years) include.

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 7 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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About Justin Sheftell: Courtesy Mortgage has been&nbsp;working with&nbsp;California homeowners on their refinance and purchase needs since 1997. <br/> <br/>Our current focus is on helping recent FHA or VA buyers from 2012-2014 take advantage of the Streamline programs available.&nbsp;&nbsp; With FHA recently lowering monthly mortgage insurance premiums combined with low available rates on government insured loans, the FHA Streamline or VA IRRRL are able to benefit a good portion of buyers who used this type of financing for a recent purchase. <br/> <br/>Additional areas that are seeing a high level of activity (With California property values on the rise in recent years) include. <br/> <br/>Cash out for Home Improvement <br/>Cash out for Debt Consolidation <br/>Refinance from FHA to Remove Mortgage Insurance <br/> <br/>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&nbsp;cash flow. <br/> <br/>We are proud to have been contributing to the Zillow community for over&nbsp;7 years now and always welcome any questions or inquiries you might have for California property.&nbsp;&nbsp; Hope to hear from you. <br/> <br/>Justin Sheftell NMLS#287667

Ratings & Reviews

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.

  

06/29/2015 - user2389361
Closed refinance loan. Redlands, CA

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.  More Less 

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06/23/2015 - ThomasFreeman2
Closed refinance loan. Santee, CA

We have refinanced our home a few times over the years and i have to say this was by far the easiest! Justin was great to work with! I asked questions and he would give detailed answers without a lot of bull. He explained the different options for what would fit our budget as well as some that would not just in case we wanted to change the budget for long term benefit. I feel like i didn't really have to do a thing to get this done and since they got paid that is exactly as it should be! Awesome to work with a true professional  More Less 

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06/22/2015 - carlottalopez
Closed refinance loan. Temecula, CA

I recently refinanced my condo through Courtesy Mortgage and Justin. I told Justin exactly what happened through a previous refinance inquiry and what was going on with my condo and he was able to find the perfect loan for me and was so upfront, honest and extremely helpful. I never felt stupid after asking a question. He always had the answer for me and if he didn't he found it right away and never left me wondering what was going on. He was on top of everything. I gave his name and number to people I work with because I know they would appreciate him for all he would do for them. He is a thorough worker that is knowledgeable in his field and always followed up with me. I Highly recommend going to him for all mortgage and refinancing needs.  More Less 

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