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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

What’s Ahead For Mortgage Rates This Week – September 28th, 2026
September 28, 2026
With a light week the previous week, only a few data reports will have any far reaching impact, with the M2 money supply and the Federal Reserve Balance sheet giving the most insight.
Why a Condo’s Finances Can Matter Almost as Much as Yours When Getting a Mortgage
September 25, 2026
When applying for a mortgage, buyers expect their income, credit, debts, assets, and employment to receive plenty of attention. Condo buyers can encounter another layer that sometimes comes as a surprise. Depending on the financing being used, the financial and operational condition of the condominium project itself may also matter.
What Happens When the House You Want Has a Solar Loan Attached to It?
September 24, 2026
Solar panels can be an appealing feature when shopping for a home, especially for buyers interested in energy efficiency. But seeing panels on the roof does not tell you who owns them or whether money is still owed. If the solar system was financed, the outstanding obligation can become an important part of the home purchase conversation.

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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