About Me
Director
First Rate Financial Group
NMLS 233972
JJ
While my mother was experiencing an incredibly difficult and stressful time in her life, while trying to figure out her reverse mortgage loan as an elderly woman without her spouse, John and his team proved to be incredibly kind, insightful, helpful and trustworthy with her situation. They went above and beyond to make sure she and her remaining family understand the stakes, common pitfalls andr occasionally predatory practices employed by some loans and programs. John and his team made sure she was taken care of, and not taken advantage of. Highly recommend working with John and his colleagues.
LR
John was very professional and personable. He did an outstanding job in helping us get the best loan available for our needs. We are highly appreciative of his efforts.
RD
John Cofiell and Noel Kelman did an outstanding job of guiding me through my recent refinance of my investment property. They were readily available, answered any questions I had, and notified me when I needed to take action.
This is now the third mortgage loan that John has helped me secure, and all three have been flawless.
I have no reservations in wholeheartedly recommending John and his team.
Thank you,
Ray Aller
This is now the third mortgage loan that John has helped me secure, and all three have been flawless.
I have no reservations in wholeheartedly recommending John and his team.
Thank you,
Ray Aller
CK
I highly recommend John Cofiell and his team for anyone seeking a smooth and stress-free mortgage experience. John and Noel Kelman were extremely hands-on, communicative, and always available to answer questions, making sure we understood every step of the process. Their expertise and attention to detail made all the difference in successfully closing on our first home. Thank you.
BC
John worked with me and my elderly parents as we weighed the pros and cons of a reverse mortgage versus a home equity line of credit. Then he was there for us every step of the way through the loan process. He made himself available at any time we had questions, sometimes driving to my folks' house to help. He is wonderful to work with, so patient and responsive. I highly recommend him and also Noel on his staff, who was always right on top of things. Great job John and First Rate Financial Group!
SI
We have enjoyed John’s help and guidance during several transactions over the past 20 years. We are very comfortable that John’s advice is solid and it has proven out each time he gets the job done for us. We consider John a friend and would recommend him to anyone.
RH
John, Heather, and the entire team at First Rate Financial truly live up to their name—they are first-rate. Their ability to work with clients is exceptional, and they consistently go above and beyond to deliver outstanding service.
CJ
I cannot recommend John enough! We had been looking for a home to eventually retire to for 5 years and John was there every step of the way. We really appreciated his help when we had last minute requests. Once we did find our place, John and his entire team - especially Heather, were easy to work with and quick! He found us a rate we were very happy with. He also has helped us refinance our current home - multiple times. He is someone we continue to refer our friends and family to, as we have a lot of trust in his work!
DW
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!
DM
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!
AR
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!
PG
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
ZB
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!
KB
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.
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!!
LN
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.
LK
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.
LA
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.
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.
SD
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!
SL
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.
BI
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!
MW
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!
Thank you John and Heather!
AC
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.
ML
John is a professional!
KK
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.
Overall he did a great job.
