Photo of Justin Sheftell

Justin Sheftell

Loan Originator

Justin has been originating loans in California since 2002. Having closed over 2,500 loans he has extensive experience helping buyers achieve their homeownership goals. Specializing in Fannie Mae, Freddie Mac, FHA and VA Loan Programs, Justin prides himself on keeping up with latest guidelines and trends impacting lending. His lending philosophy is to always weigh…

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Paul Taccone


Paul founded Courtesy Mortgage Company in 1997, with experience in mortgage lending and real estate, and a mission to help underserved clients obtain the best available mortgage financing. Through integrity, expert service and efficiency, Courtesy Mortgage Company offers homeowners the ability to complete their loan transactions timely and without hassle.

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Laura J. Wever

Loan Originator

Laura joined our team in 1999 and is one of the veterans of Courtesy Mortgage Company. She earned her bachelor’s degree from the University of Arizona, became a Navy spouse, and eventually settled in San Diego. She has two children and enjoys competitive running, camping, and travel. She loves helping people and improving their financial…

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Flavia Ybarra

Loan Originator

Flavia Ybarra Multilingual Loan Officer – Originally from Rio de Janeiro, Brazil, Flavia is fluent in Spanish & Portuguese. Flavia started working as a Loan Officer at Courtesy Mortgage in 2003 and earned Rookie of the Year award. She has a degree in international Business and Finance from San Diego State University. The financial aspects…

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Sonia Ramirez

Bilingual Loan Officer / Realtor

With experience in mortgage lending and real estate, Sonia has a passion to help underserved clients obtain the dream of homeownership. Sonia became a Licensed Real Estate Agent in Dec of 1998, and has been working on and off with Courtesy Mortgage throughout the years. She earned a Bachelor’s degree in Business Administration from the…