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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
09/17/2014 - vxp327
Closed refinance loan. South Los Angeles, Los Angeles, CA
Justin was superior in every aspect.

Mine was a tough VA refinance that I honestly didn't think would happen. Justin guided me through every aspect, ensuring I understood everything from beginning to end.

I highly respect and recommend Justin!
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Response from Justin


- Highly likely to recommend
08/29/2014 - Tymann55
Closed refinance loan.
My loan was a very complicated one and required court approval. Justin was able to process it timely and get me the best rate. He hung in there with me, when I wanted to give up because my attorney made mistake after mistake. Justin is a patient, knowledable and experienced professional that I would refer all my family and friends to. He was in SoCal and I in northern Cal, but it that presented no problems, because of the his in depth knowledge and the electronic era we live in.

Respectfully, Rebecca Matt
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- Highly likely to recommend
07/17/2014 - CalVetVA
Closed refinance loan.
5 star reviews seem a dime a dozen here on Zillow so it can be tough to find a broker you truly trust. Let me first start by saying that I had a somewhat complex situation. Combine that with my lack of expertise in this area and I was extremely cautious. Oh yeah, and I have been told that I have high...perhaps even unrealistic expectations when it comes to customer service. Given all of that, I had preferred to work with someone local and someone referred by a friend. Justin was neither. But he did post an almost immediate response to my question here and more importantly, his response was clear, concise and accurate. We began an email exchange and I was impressed with how quickly he always got back to me. Then, I went through a few different periods of time where I was very busy at work and was unable to to focus on getting the re-fi done. During that time, Justin consistently reached out to me and kept me up to date with rates, etc but never in a way that was annoying. I expect the delays were frustrating to him, bet he never let that show in any of our email exchanges or conversations. His persistence led me to to choose him to work with. I have absolutely no regrets in doing so. He constantly amazed me with his responsiveness - particularly when it came to email. I am not sure when he slept since he replied to email at all hours of the day. He made the whole process much easier.

In short, he's trustworthy, honest, responsive and knowledgeable. I wish there was a way to give him more than 5 stars since he stands out amongst the other 5-star reviews.
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Professional Information
Justin Sheftell
Courtesy Mortgage
2615 Camino Del Rio S
San Diego, CA  92108
(619) 756-7131Click to view
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