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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

Designing a Home That Reduces Financial Stress
February 26, 2026
Financial stress does not come only from high payments. It often comes from poor planning, unrealistic expectations, and lack of reserves. A well-chosen home should strengthen financial stability, not weaken it. Designing your approach before you purchase can make ownership feel secure instead of overwhelming. Mortgage decisions should prioritize sustainability over maximum borrowing power.
How Adjustable-Rate Mortgages Work and When They Make Sense
February 25, 2026
Adjustable-rate mortgages often create hesitation because borrowers focus on the word adjustable. However, these loans can serve a strategic purpose when aligned with specific financial timelines. An adjustable-rate mortgage typically offers a fixed introductory period followed by periodic rate adjustments based on market indexes. Understanding how these loans are structured helps borrowers determine whether the flexibility outweighs potential variability.
Why Your Morning Routine Matters More Than Your Mortgage Rate
February 24, 2026
Interest rates get headlines. Payment amounts get attention. Yet neither one determines whether your mortgage will feel sustainable five years from now. What truly determines long-term satisfaction is how your financing decision supports your daily routine.

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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