Welcome to Courtesy Mortgage Company. We service the state of California specializing in refinance loans. In this difficult California market, we are focused on HARP 2.0, an improved version of the Home Affordable Refinance Program. Our product offering is designed to include Fannie Mae DU Refi Plus and Freddie Mac Open Access with no overlays. If you have an eligible Fannie Mae or Freddie Mac home loan, we will likely be able to lower your payments or help you to payoff the entire loan at a faster pace.
Many lenders are offering only a portion of the HARP 2.0 program. Although the differences are subtle, they are enough to cause applicants to get denied who due to lender specific restrictions despite Fannie Mae or Freddie Mac “Core” Approval. If you have been turned down elsewhere for a HARP 2.0 refinance we would like for you to get a second opinion. Speak to a representative right away, please call 888-296-5881.
Whether your goal is to save money each month or drop to shorter term without increasing your current payment, we are here to help you. We will tell you what you qualify for on the first phone call.
We are able to offer LPMI (lender-paid mortgage insurance) transfer and BPMI (borrower-paid mortgage insurance) transfer for HARP 2.0 eligible loans. If you have been denied due solely to your LPMI, give us a call and we can help.
If you have been denied with an Expanded Approval code we offer EA-I, EA-II, and EA-III approval so you still have an option to complete your HARP 2.0 refinance.
At Courtesy Mortgage Company, we listen to what you want to achieve, and we work hard to make your home loan refinance experience run as smooth as possible. We understand choosing a lender for your refinance can be stressful and overwhelming and we are here to make that journey as pleasant as possible. Our seasoned Loan Originators are here to get you answers and results.
In addition to HARP 2.0 refinance loans, we also offer several other refinance programs such as FHA Streamline, and VA IRRRL. Whatever your current home loan situation might be, Courtesy Mortgage Company provides excellent advice and great service. We charge no upfront fees. No application fee, no credit report fee. The majority of our HARP 2.0 loans are eligible for appraisal waivers. We only benefit if we are able to complete your refinance loan. Give us a call for a free assessment at 619-296-5881.
The Department of Real Estate of California licenses Courtesy Mortgage Company #01228731
We are registered with National Mortgage Licensing System (NMLS #260379)
Courtesy Mortgage was established in 1997. Our brick and mortar location is in San Diego at 2615 Camino Del Rio S, Suite 200 San Diego, CA 92108