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 (226)

2 days ago

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
2 days ago

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
Jan 29, 2018

Robert M. Russak recommends Mike Pfefferman


Outstanding service. Straightforward and honest and super competent
Jan 15, 2018

Tina Ross recommends Noel Kelman

Noel is such a wonderful person to work with! She is always available, kind, and works to keep her clients best interests at heart. I can't recommend Noel enough! Thank you Noel for making the refinance of my home so very easy and smooth! I look forward to working with you again!
Dec 20, 2017

Julio Chan recommends Paul Simon Bookey

Finish Carpenter

We met Paul about 18 years ago when we bought our current house.
2 months ago, my wife and I decided to refinance our home and found his phone number. We decided to call him since we remembered how professional and easy he had made the first process of buying our home.
Paul has always been friendly, and always checked in with us during every step of the refinance. The whole First Rate Team made our home refinance possible.

Thanks Paul!
Dec 20, 2017

Micvhael Bennett recommends Paul Simon Bookey

Business Owner

Paul and his team helped us through the refinance process and provided answers to all our questions making a difficult and time-consuming task as painless as possible.

If you have any financial needs then call Paul for a worry free experience.
Dec 17, 2017

EMIL Cobar recommends Fred Gruber

RE investor

I used Fred for all my loan needs , both residential and commercial, for over 5 years.
He and his crew always delivered.
I would highly recommend him.
Dec 15, 2017

Bonnie Woodson recommends Mike Pfefferman


Mike and his team are wonderful. They are so professional and pleasant to work with on all types of mortgage transactions. I've worked with them for my own loans for over ten years--and they always work diligently to close the deal on a timely basis. There is no hesitation in my high recommendation of this group for one's mortgage needs. Thank you Mike and Claudia!!
Dec 15, 2017

Darren M recommends John Cofiell


John and his company have now handled 2 mortgages for me. This is a first rate company and John's attention to detail and professionalism are superb. Always looking out for his customers needs and finding the best product. I highly recommend this company.
Dec 13, 2017

Jeff Solomon recommends Mike Pfefferman


Mike is on his game and delivers exactly what he says he will. He moves at light speed which might freak some people out but just ask him to slow down for you and he’ll walk you through any details you need. Great experience. Highly recommend.
Dec 8, 2017

Geoffrey Klotz recommends Noel Kelman


Noel is by far the best mortgage loan officer we have ever worked with. We highly recommend her for any home financing needs.
Dec 4, 2017

Paul DeBerry recommends Mike Pfefferman


Mike was terrific. He and his team worked miracles to make sure we closed on schedule despite delays on the part of the sellers. I really could not say enough about how great our experience was. I would definitely recommend Mike and would work with him again.
Dec 1, 2017

Victor Mastrella recommends Fred Gruber

Fred and his staff are very knowledgeable and professional. Fred will take the time to explore all of your options and find the right one for you. Then his staff will make sure that it all goes through as planned. Together they make the process easy.
Dec 1, 2017

Shalee Kirk recommends John Cofiell


As always John was a helpful and thorough professional. He provided me several options for my refinance. His team kept me informed along each step of the refinance process. I would fully recommend John and his team to anyone.
Nov 27, 2017

Juan Vidaurrazaga recommends Mike Pfefferman

Vice President Business Development

As always he and his staff does an outstanding job. Find the a good mortgage for us and make the process seamless . Fantastic!
Nov 27, 2017

Paige Rothermel recommends Mary K Johnson

VP, GM Anthem Blue Cross

Mary has been a great lender. In the last 20 years, we have used her to support multiple property purchases. She is supportive and makes the process of buying a home simple and easy. Thank you, Mary!

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