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About John

John CofiellFirst Rate Financial Group has been led by President and CEO John C. Cofiell since 2004. Feeling that our clients need an advocate and counselor to help guide them in one of the largest investments they will make in their lifetime, John created a company that is built on the reputation of taking care of its clients and meeting their financial goals.

In an industry that has gone through amazing changes, John has been able to successfully guide First Rate Financial Group to better provide for its clients by staying ahead of those changes. As the President of First Rate Financial Group, John is committed to creating “Lifelong Clients”.

John has been an integral part of the Mortgage Industry since 1987 after beginning his career as a loan officer with a major bank in Southern California. John’s dedication to providing exceptional service, along with his extensive knowledge and experience, keeps his clients coming back and happy to refer him to others.

Providing a loan to a client is just the start of a financial relationship. John loves to see his clients succeed in their financial goals and is happy to help in structuring their debt to meet those goals. He works hand-in-hand with many CPAs and Financial Planners to ensure that the client is heading toward financial freedom.

Client Reviews

While getting lost in searching for lenders for our first purchase a friend recommended John & he didn't disappoint in getting us the best rate as well as his insight in answering any & all questions/concerns we had about the process. Put your trust in John & you won't be disappointed!
John's always been great to work with. We've purchased a home as well as refinanced. John and his team are prompt and professional.
John did a great job with my refinance. He kept me up to date as we reached the various stages toward completion He and his team were very helpful.
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!
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.
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!

The Latest News

Are Interest-Only Mortgages A Smart Strategy or Risky Business?
June 11, 2025
When exploring home financing options, many borrowers are intrigued by interest-only mortgages. These loans offer the benefit of lower initial monthly payments, which can seem attractive, especially in high-cost areas or when cash flow is tight. But how exactly do they work, and are they the right fit for your financial goals?
Can Freelancers Get a Mortgage?
June 10, 2025
If you are self-employed or work as a freelancer, you may be wondering whether buying a home is even possible. The good news? It absolutely is, but you will want to be prepared for a few extra steps in the process. Here are five common questions freelancers ask when it comes to getting a mortgage.
What’s Ahead For Mortgage Rates This Week – June 9th, 2025
June 9, 2025
With next week bringing the latest wave of inflation data reports--namely the CPI and PPI--this week featured a slew of releases with minimal impact. The Trade Deficit and the Federal Reserve's Beige Book stood out as the main indicators reflecting the current state of the economy. Although tariffs have largely been put on pause, their effects continue to reverberate across numerous industries. Significant concern remains due to the instability in decision-making from the current administration. The Trade Deficit came in as expected, with the deficit cut in half following the announcement of tariffs, which caused imports to plunge. Meanwhile, the Beige Book indicated a significant slowing of the economy.

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John Cofiell

First Rate Financial Group

  • Direct: (818) 665-4528
  • Fax: (818) 735-5909
  • CalBRE: 01141565
  • NMLS: 233972
  • johnc@frfgp.com