About Me
Director
First Rate Financial Group
NMLS 233972
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.
SK
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!
Thank you so much John! We really appreciate everything!
KG
John was incredibly helpful with keeping me informed on all the details of obtaining my home loan.
CE
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.
LT
Working with John and Heather was a pleasure, as always.
You cannot find better partners!
You cannot find better partners!
B
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 .
LN
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!