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Mortgage services
Review Highlights
“Justin and Laura were EXTREMELY HELPFUL and knowledgeable with competitive programs for mortgage purchases.” in 16 reviews
“I wanted a refi (HARP 2) and thought my existing mortgage holder would be the quickest.” in 5 reviews
“We had talked to a few different lenders who all said they wouldn't be able to get us a loan and if we did it would be at a high interest rate.” in 2 reviews
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About the Business
Business owner information
Courtesy Mortgage ..
We specialize in refinance to payoff HERO and PACE loans. If you have seen your property tax and mortgage payment increase as result of HERO or PACE financing please reach out to discuss your options. Work directly with your experienced Loan Originator from first contact through loan funding. Have access to your Loan Officer at all times via text, email and mobile. Our transactions typically will close in 30 days or less. Our most common loan programs used are - Fannie Mae Freddie Mac FHA FHA Streamline VA VA IRRRL
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Recommended Reviews
Overall rating
23 reviews
5 stars
4 stars
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1 star
- C L.Palm Desert, CA04828Jan 29, 2019
I was introduced to Justin Sheftell by a dear friend. These kinds of recommendations go a long way when it comes to mortgage & lenders.
My experience with him, on several occasions, has been professional, prompt, & most courteous.
I highly suggest Courtesy Mortgage to those of you looking to deal with an A+++ lender.
Thanks, Justin.
MF LaLondeHelpful 1Thanks 0Love this 0Oh no 0 - Anthony P.Los Angeles, CA171531Aug 4, 2022
Justin and Laura were EXTREMELY HELPFUL and knowledgeable with competitive programs for mortgage purchases. Thankful to have worked with them!
Helpful 0Thanks 0Love this 0Oh no 0 - Torey R.Mid-City, San Diego, CA197206Feb 5, 2022
We had the pleasure of working with Flavia Ybarra over the course of our loan. We had talked to a few different lenders who all said they wouldn't be able to get us a loan and if we did it would be at a high interest rate. Courtesy Mortgage reached out to us and after being connected with Flavia, she assured me she would be able to get us into our new home. Throughout the process, Flavia was communicative, responsive, and answered any and all questions we had. When we bought our first home, we had a horrible experience with the lender, so naturally we were quite hesitant to go through the process again. Flavia turned our view of the process around 100 percent! I will be recommending her to all of my friends as we venture into our thirties to buy homes! Thanks again, Flavia!
Helpful 0Thanks 0Love this 0Oh no 0 - Cam P.Orange, CA05Oct 23, 2020
Exception Service!
We've dealt with many mortgage companies in the past and Courtesy Mortgage has been the best thus far. Laura Wever was our loan officer and she was very good with communication with us on how the loan progress in every step of the way. Our HERO loan was paid off and we were able to get a lower rate. I'd highly recommend this company to anyone who needs to refinance and would use them again for any future mortgage needs.Helpful 0Thanks 0Love this 0Oh no 0 - Bethany H.San Diego, CA0122Jul 29, 2019
I worked with Laura Wever last month to refinance my home and every step of the process was seamless. From start to finish, it took a month to record and fund! Laura is extremely knowledgeable, accessible and kind. This was my first time applying for a mortgage loan on my own and she answered all my questions in a timely fashion and ensured that I was able to secure the best possible loan terms. Her proficiency in the industry along with her empathic and personal approach ensures that her customers will have a rewarding experience. I highly recommend Laura and the Courtesy Mortgage team for all lending needs.
Helpful 1Thanks 0Love this 0Oh no 0 - Katie V.San Diego, CA556Aug 29, 2019
I worked with Laura Wever to refinance our home and could not be happier. She is awesome to work with -kind, professional and fast! She stuck with us through a few bumps in the road (when other brokers would have abandoned us) and really went above and beyond. I am thrilled with her services and will definitely work with Laura for all of our future mortgage needs!
Helpful 0Thanks 0Love this 0Oh no 0 - Lance M.Palm Desert, CA031Mar 4, 2021
Justin and the Team at Courtesy Mortgage did a great job with our recent refinance. We would highly recommend them and look forward to working with them in the future. We have already recommended them to our family and friends. Thanks Again
Helpful 0Thanks 0Love this 0Oh no 0 - Julie A.Vancouver, WA104219Jan 23, 2016
A couple of years ago I refinanced from an adjustable loan into a fixed, but paid the price in points. My CPA recommended that I refinance again to get back some of the points on my taxes.
I went online to Quicken Loans and entered my information to receive a quote. I wasn't sure if I wanted to go through the hassle of refinancing again so I didn't take it any further.
Justin started sending texts and email and calling me to ask if I wanted to move forward. He wasn't pushy at all, just made it clear that he wanted to help.
On a Friday, I heard the rates would be increasing the following week, so I gave Justin a call. He immediately jumped in and locked the rate over the weekend, so I was not only going to save on my taxes, my rate was reduced more than a quarter point.
And there was NO hassle. It was the easiest loan I have ever applied for and I wish I had gone to Justin for my first refi. He was professional and courteous and went to bat for me time and time again. But everything was just so easy.
I have applied for many loans in my lifetime, but hands down, this was by far the best experience. I would recommend Justin and Quicken Loans to anyone!Helpful 1Thanks 0Love this 1Oh no 0 - Laurie W.Redwood City, CA117452Apr 23, 2019
Justin worked with my husband and I on our refinance and was great! He was very responsive, made the whole process very quick and streamlined, and we got a fantastic rate. Would definitely recommend
Helpful 1Thanks 0Love this 0Oh no 0 - Mark S.San Diego, CA695Aug 18, 2014
My wife & I refinanced our primary residence through Courtesy Mortgage and could not be happier with the level of service that we received.
In our dealings with Justin it is clear that he is a true professional in his industry and willing to answer any and all questions that we had about our refinance in great detail.
We dramatically decreased our mortgage payment by taking advantage of the low mortgage rates available at the time and so glad that we did.
I highly recommend Courtesy Mortgage & Justin Sheftell.Helpful 2Thanks 0Love this 1Oh no 0
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