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Justin Sheftell

Zillow All Star

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Director of Sales (13 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.

Our current focus is on helping recent FHA or VA buyers from 2012-2014 take adavantage 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 6 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


12/26/2014 - neiljohnson745
Closed refinance loan. Burbank, CA

Justin helped me refi from a 30 year FHA loan with BofA to a standard 20 year mortgage. Very knowledgable and helpful through the whole process. Explained everything in simple way and delivered exactly what he promised, started and closed within 3 weeks. I would not hesitate to recommend him.

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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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