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John Cofiell

Director First Rate Financial Group NMLS 233972
May 27, 2024
John Cofiell and his right hand, Heather Vowinkel, are the best mortgage team I have ever worked with. I highly recommend them to anyone purchasing a home or for any refinance needs. We were facing unusual circumstances (and a tight timeline) when financing our current home and John was able to pull some magic for us. In addition to being the most knowledgable and professional team we have worked with, they also look out for their customers' best interest. A1 communication through every single step, and delivery of a tailored solution that best fits your individual needs. Thank you John & Heather!
Feb 6, 2024
My Husband & I had a unique set of circumstances & traditional lenders couldn't move fast enough. Our CPA who's known John for decades put us in touch and from start to finish, it was an amazing experience. His support staff is exceptional and work at your level, be it being able to supply info via the web or needing Fed Ex. John is an Expert who gets you to the finish line in warp speed!
Oct 27, 2023
Creative director
John and Heather are an incredible team. I strongly recommend them to help anyone through the very daunting process of purchasing a home. Every stage of the process, they answered every call, email, and question very quickly and thoroughly. Incredible team with incredible knowledge!
Sep 25, 2023
John Cofiell and his right hand Heather are Magnificent! Over the past 25 years, John has completed multiple home loans for me. I have just completed another home loan. John's knowledge of all aspects of the loan industry is invaluable. I always get the best rate at the best terms. Then Heather leads me through the process to completion. They take the worry out of the process. Thanks to John and Heather. Pitt Gilmore
Aug 31, 2023
John was very patient and understanding throughout this process. He worked wonders to get me the right mortgage and make our timeline. Thank you John!
Aug 1, 2023
THE FIRST RATE FINANCIAL GROUP ACCURATELY DESCRIBES THEIR EXCEPTIONAL EXPERTISE IN REAL ESTATE LENDING. THIS TRAINING INCLUDES THE RARE ABILITY & KNOWLEDGE TO ANAL YZE INCOME PRODUCING PROPERTIES ,PR,OMPT SERVICE AS WELL DELIVERS THE DEAL.
Jul 27, 2023
Retired Physician
It was a delight to work with John, as we put together my application for a mortgage loan. As each stage progressed, he was right there to let me know what was going on, and what I had to do next. He was flexible, as my understanding progressed. An excellent experience!!
May 22, 2023
We are so grateful to John for securing the loan for our home purchase in Los Angeles. He was able to get creative where others were not and ultimately secure us the financing we needed to buy our first home in California. John's years of expertise can't be matched and his team, including Heather, were wonderful to work with through our escrow process. They ensured we closed early and kept everyone on track! We highly recommend working with John.
Dec 15, 2022
It was a pleasure working with John and his team. They were easy to work with, and worked hard to get us the best rates available. They kept us informed of progress during escrow, which was great. I would highly recommend First Rate Financial Group for your mortgage needs.
Oct 6, 2022
John Cofiell was amazing when he handled the transaction for our reverse mortgage.
He is very competent and knowledgeable about mortgages and patiently answered all of our questions.
It was a pleasure doing business with him. He made the process go smoothly and efficiently.
We were extremely satisfied with his work and recommend his services very highly.
Sep 26, 2022
I highly recommend John to be your mortgage broker! John quickly processed my loan application and kept me well informed during the entire process. He set the proper expectations to close the loan and provided frequent updates. His responsiveness made my mortgage process so much easier than I anticipated. I will definitely contact John when it's time to refinance!
Sep 15, 2022
VP of Media Research
I really appreciate all the effort that John and Heather put forth with the loan process. It definitely made things much easier for us, in addition to keeping us well-informed on the steps involved as well as the details that we needed to be aware of during the process. In light of the current interest rate increases, we were secured a rate that was superior to what the market was giving, and that was out of diligence on John's part in doing the research.
Aug 18, 2022
John recently helped my partner and I secure a loan for our new house and once again we had a wonderful experience. John and his coordinator Heather were constantly in contact providing us with updates and guidance to make sure we had all the information we needed every step of the way. This was my third time using his services and it certainly won't be the last!
Jun 21, 2022
John Cofiell and Heather provided excellent customer service while being professional and extremely thorough through every step of obtaining a home loan for the purchase of my first house. Questions were answered promptly and guidance was given in an honest and professional manner. I would give 10 stars if I could, highly recommended.

Thank you John and Heather!
Jun 13, 2022
Thank you John! You made this process of refinancing our Mother's home so easy and took care of all the details. I also appreciate your helpful guidance and constant communication.
Jun 7, 2022
John is a professional!
Jun 6, 2022
John educated us every step of the way. He explained things well and was very responsive to all of our inquiries which were many!
Overall he did a great job.
May 31, 2022
John and his team were amazing! This was our first time buying a home and they made the process very easy for us. They walked us through everything and answered all of our questions.

Thank you so much John! We really appreciate everything!
May 30, 2022
John was incredibly helpful with keeping me informed on all the details of obtaining my home loan.
May 10, 2022
I was recommended to John from my father after going through two other lenders for my first home. Right away I noticed John was very transparent and broke down everything for me so i could move forward with understanding. When I go to refinance or buy another home John will be my first and only call, and I absolutely recommend him to anyone.
Apr 15, 2022
Working with John and Heather was a pleasure, as always.
You cannot find better partners!
Apr 7, 2022
I have worked with John for many years and never had a problem . He answered my questions honestly and always responded quickly. He never tried to push me into anything . If there was something he did not handled , he recommended me to someone who could assist. His colleagues are always ready to assist as well .
Apr 7, 2022
Landscape architect
I have worked with John on my other home loan which had been great !My current loan was expedited fast John and his staff were very professional!
Apr 5, 2022
Retired Person
John did a great job for us with the Consolidation Loan that he put together. We had 3 mortgage loans of which 2 were variable rate loans and 1 fixed rate loan. John worked up a Consolidation Loan that paid off the 3 mortgage loans and basically reduced our monthly mortgages paid out by $3,000 with a 5% fixed interest rate for 30 years. So my wife and I were very pleased with the way that John worked this great deal for us and he watched the interest rates and the market for us and picked the ideal time to lock in the interest rate for us. Also, we were happy with the fact that when it came to getting the loan docs signed that John arranged for a person to come up to Las Vegas with the docs for us to sign. Then John was liberal with providing us with a loan credit at the closing such that my wife and I received a $1200 check after the Consolidation Loan closed. Needless to say, we were very pleased with the work that John did for us and we would give John a Five Star Recommendation to anyone who needs a loan representative.
Mar 29, 2022
John helped us buy our first home. He was incredibly thoughtful and helpful every step of the way. He was creative in identifying the right loan for us, and identified a subsequent re-financing opportunity that improved the rate. Anyone would be lucky to have John on their side through any aspect of the lending process.