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  • Courtesy Mortgage

Justin Sheftell
Director of Sales (12 years experience)


Refinancing, HARP 2.0, Refi Plus, Open Access

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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
Ratings & Reviews
- Highly likely to recommend
04/09/2014 - briewest
Closed refinance loan. Porter Ranch, Northridge, CA
It was a pleasure working with Justin on my house refinance. Very diligent and professional throughout the entire process. I knew I was in good hands and felt confident that Justin will see the project through with stellar performance. Thank you, Justin!
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- Highly likely to recommend
03/24/2014 - barrelracinbroke
Closed refinance loan.
Justin took care of our Harp Refinance quickly and easily. He knew the program very well and made us feel confident we were being taken care of. He was extremely responsive to our inquiries and things went smooth. We will highly recommend working with him.
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- Highly likely to recommend
02/26/2014 - bbegun
Closed refinance loan. Ventura, CA
I had filed a chapter 7 bankruptcy in 2009. Because of old rules, I had to wait 4 years before I could refinance to a much lower interest rate. Much to my shock, a broker told me that I had no credit score, even though I had made mortgage payments on time for the last 4 years. I had also paid off my car about 2 years ago. Eventually I figured out the Wells Fargo refused to supply credit info to any of the reporting agencies because I had not signed a reaffirmation agreement. This agreement is no required by law and gives the lender dangerous power under certain conditions. I went through 3 lenders who refused to do a HARP re-fi because of a lack of credit info. I then contacted Courtesy Mortgage and spoke to Justin Sheftell. They specialize in difficult mortgages. Justin is a real pro and knows what buttons to push and who to talk to to fix this. The good news is that I have just refinanced through another lender, and will be saving almost $400 a month. Courtesy only arranges loans in California. If you live in another state, call Justin anyway and he will be happy to recommend a broker he works with elsewhere. You won't need a lawyer, nor have to sign a reaffirmation anything.  MoreLess
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Professional Information
Courtesy Mortgage
2615 Camino Del Rio S
San Diego, CA  92108
(619) 756-7131Click to view
(619) 756-7131Click to view
(619) 858-2367Click to view
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