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Justin Sheftell

Zillow All Star

The All-Star badge is given to top contributors of the Zillow community. These are active Zillow users who share their real estate knowledge and help others by contributing high-quality content. The more and better the contributions, the more likely an award will be granted. Users' contributions can be seen in their profiles.


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


01/29/2015 - tyleraa1
Closed refinance loan. Oceanside, CA

Excellent service throughout. Justin was always on top of even the small details and was very accessible. I wish the original loan was as easy as this refinance.

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01/29/2015 - jrh7
Closed refinance loan. Oceanside, CA

Over a span of approximately 36 years, I have had at least 12 transactions dealing with real estate loans. By far, Justin Sheftell has been the best mortgage loan officer that I have ever with! He is very knowledgeable in every aspect of the business and personal. He responds back to you prompt and is very professional.  More Less 

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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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Service Areas