Photo of Justin Sheftell

Justin Sheftell

Loan Originator

Justin has been originating loans in California for 16 years. He contributes frequently on several real estate forums to share informational nuances to assist others who are in need. Justin graduated from Emory University with a degree in Economics in 1997. Justin is a “refinance specialist” well versed in all program guidelines for Fannie Mae,…

Photo of Paul Taccone

Paul Taccone


Paul has over 20 years of experience in mortgage lending and real estate. He founded Courtesy Mortgage Company in 1997 with 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.…

Photo of Laura J. Wever

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…

Photo of Flavia Ybarra

Flavia Ybarra

Loan Originator

Photo of Joyce Pennington

Joyce Pennington


Photo of Andrea Clark

Andrea Clark

Operations Manager

Photo of Jill Meltzer

Jill Meltzer

Processing Administrator