First Rate Team Powered by AmeriFirst Financial, Inc.

As a company focused on purchase business, we strive to become the lender of choice for real estate professionals across the country. In order to gain and keep the trust of our referral partners and their valued clients, we make it a priority to hire the industry's best talent. Our culture is built on pursuing excellence - the AmeriFirst professional has a desire to be the best, to keep improving.

"Try not to become a man of success. Rather, become a man of value. A successful man takes out of life more than he puts in. A man of value will give more than he receives." - Albert Einstein


Recommendations (240)

Apr 12, 2018

Marty Reder recommends John Cofiell


John and his team were outstanding and very professional. They worked their way thru a difficult set of circumstances surrounding my loan and handled everything perfectly.

Marty Reder
Apr 10, 2018

Rita Kern recommends Fred Gruber

Fred and his co-workers are the best! They are very professional and truly nice to work with. Fred is so knowledgable and willing to answer any question. He has helped me and my son James refinance our condominiums under some complicated circumstances (fall-out of the mortgage crisis). We were able to accomplish our goals to lower interest rates on one, and receive cash out on the other. I highly recommend them, without reservation.
Apr 10, 2018

Sandra Brummett recommends Fred Gruber

This staff was incredibly helpful. This was my first home purchase and I had plenty of questions. Fred and his staff always took my calls and helped walk me through all parts of the process. I would highly recommend.
Apr 10, 2018

Steve Fox recommends Mike Pfefferman

Mike has been a tremendous resource. He and his staff are knowledgeable, professional, and extremely creative when it comes to mortgage financing. His rates were lower than anywhere else, he made the process as pain-free as possible. I wouldn’t hesitate to recommend him to anyone who needs a mortgage. He is the best!!
Apr 10, 2018

James Leroy Veler Jr recommends John Cofiell

Senior Vice President

John recently enabled me to refi my home. I found John to be very knowledgeable and professional. Even when we ran into a few snags John got out in front of it and proactively communicated with me and made sure we had contingency plans. I will recommend John to all of my family and professional colleagues.
Apr 4, 2018

Arthur A Stone recommends John Cofiell

home owner

Whether refinancing or home buying (I've done both), John does a 1st rate job
and is highly recommended.
Apr 3, 2018

Scott Chambliss recommends John Cofiell

Motion Picture Production Designer

John Cofiell and his team are always such a pleasure to work with.
With consummate professionalism and a warm personal approach, John Cofiell and his team of Heather Vowinkel, Stacia E. Penders, and Noël Kelman each bring sharp intelligence, easy humor, and fundamental respect to the job. That combination of winning ingredients makes every step in the process of engaging with them something to look forward to. I recommend John and his gang as a truly First Rate Team, and I will always look to do business with them first.
Apr 2, 2018

Lauren Huber recommends Mike Pfefferman

Marriage and Family Therapist

Besides his many business competencies the best part of dealing with Mike was his responsiveness at all times and ability to reach him. He always answered his phone and/or emails immediately and was there to answer any questions or concerns. Additionally I had a very unusual loan situation which involved several different entities and potential conflicts and Mike navigated this challenging process with ease. I would not hesitate to recommend him. Thank You to Mike and his competent staff, as well. Lauren Huber
Mar 26, 2018

DeAnna Pitman recommends Noel Kelman


Noel met all of our needs! Her extensive knowledge of the industry provided us with up to date interest rates and options on refinancing. Our loan was completed quickly, on time and with no problems...all due to Noel's help. I highly recommend her if you are buying a home or refinancing an existing one!
Mar 21, 2018

Chris S recommends John Cofiell

John is a professional of integrity. He cares about your financial well-being within his area of expertise and its comforting to know he continues his care and interest long after the initial job is completed. You're in very good hands with John!
Mar 21, 2018

Eileen R Bianchi recommends Mike Pfefferman

Mike and his team were outstanding! We experienced a smooth and quick refinance and have not one complaint. I would recommend Mike and his team to anyone looking for a new loan or refinancing a new purchase.

Mar 17, 2018

Ron Sherer recommends Fred Gruber

Sr. Dir

I have used Fred Gruber several times and each time his customer focus and service exceeds my expectations. He and his team works hard to get me the best rates and terms and he consistently provides exceptional advice based on his vast knowledge. There is no one I trust more and highly recommend him for mortgage services.
Mar 4, 2018

Christopher Foster recommends Noel Kelman

Working with Noel was extremely pleasant. Having never bought a house before we were confused, directionless, and kind of scared. When Noel starting working with us our anxiety quickly went away. She was extremely professional, positive, and reassuring. One thing that stood out was that she anticipated all our needs and questions beforehand. It made the entire experience go very well for my wife and I. We are honestly in her debt. Because of her optimism, patience, and extreme diligence we definitely recommend her. My wife thinks she’s a rock star!
Feb 23, 2018

Chuck Wilson recommends John Cofiell

We have known John for the past 25 years and used his expertise for all of our home loans and for refinancing.
John is honest, and knowledgeable . I would never hesitate to recommend John and his team to anyone seeking to acquire a home loan or refinance.
I would also like to take this opportunity to thank Heather for all her hard work for putting our loan together in a timely manner.
Thank you,
Chuck and Sheryl Wilson
Feb 23, 2018

Charles (Chuck) Wilson recommends John Cofiell

John and his team were right on top of every detail during our most recent home loan.
We have dealt with John for about 25 years and have always found him to be honest, knowledgeable, and always more than helpful.
In the past John has even called us when rates were low and advised us if it was a good time to re-finance.
If you are purchasing or refinancing we would highly reco
Chuck and Sheryl Wilson
Feb 23, 2018

Allie Spla recommends Mike Pfefferman

Production Coordinat

Mike was fantastic to work with. My husband and I were first time home buyers and felt very overwhelmed by the process. Mike did a terrific job making us feel comfortable and always made himself available to answer our questions. He made the process feel manageable so that we felt confident purchasing our first home. I can’t recommend him more highly.
Feb 16, 2018

Erika Gonzalez recommends Noel Kelman


I could not have had a better experience purchasing my first home with Noel’s help! I always had so many questions and Noel made everything easy for me to understand and made this process less stressful. I appreciate her expertise and her patience.
Feb 14, 2018

David Brynan recommends John Cofiell

Senior Specialist

John helped me and my wife secure the financing to buy our first home. He is a real pro, extremely knowledgable, resourceful, and provided excellent, sound advice. I wouldn't hesitate to recommend him to anyone. Thank you John!
Feb 12, 2018

Virginia Espinoza recommends Noel Kelman

Registered Dental Hygienist

Noel is by far the best broker for Home buying I have ever met. Buying a house is a stressful process and there is so much information that to the regular person is hard to understand. But with Noel, nothing went unexplained. She takes the time to walk you through each document if needed. She is reliable, prompt and above all kind and understanding when it comes to helping her clients. I have recommended her to various friends and family. She will always remain in my contacts as person I can reach out to should I ever have a banking/home loans.
Feb 12, 2018

Dave recommends John Cofiell


John and his team were excellent. Their use of technological tools to track and submit was great. Providing the required papers in multiple ways made it very easy to get all the required documents submitted. The team is very friendly and extraordinarily helpful. If there was ever a question or need they were there to handle it or answer the questions. Really good service made for a quick refi and great experience. I will be returning for any future real estate finance needs, as well as recommending them.
Thanks again John and Team.
Feb 6, 2018

Stephen Chikasawa recommends Noel Kelman

Stephen Chikasawa

Noel did an amazing job helping me out with this mortgage loan. She helped me step by step so I knew exactly what was going on. I would highly recommend her to my family and friends!
Feb 6, 2018

Francisco Macias recommends Noel Kelman

This is the second time we have used Noel and her team. They provide a great service and are very knowledgeable. They always kept us updated and informed on the status of our loan. They answered all our questions and emails in a promptly manner. Noel and her team are courteous and polite. We felt as though we were being treated as family and not just a number. I highly recommend her !
Feb 5, 2018

Sean recommends John Cofiell


I have been fortunate enough to have worked with John Cofiell and his very capable team over several years and multiple residences, and he continues to provide superior guidance for all of my real estate financing. The professionalism, responsiveness, and effectiveness of John and his team are unrivaled, and I cannot imagine working with anyone else.
Jan 30, 2018

Michael Klyde recommends John Cofiell

Home owner

John and his team did an outstanding job handling my refi. Very quick, everybody handled the tasks without issue, easy to use e-sign of preliminary docs. Great appraisal and notary contacts were used. Highly recommend this team!
Jan 29, 2018

Mary McCarthy recommends John Cofiell

John was so helpful getting my loan together and performed a miracle by having the closing done by the very last business day of 21017! He guided me through the confusing forest of documents. I am very pleased to give my highest recommendation.
Mary McCarthy

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