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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

Can I Buy a Duplex with an FHA Loan?
October 23, 2024
If you're in the market to buy a duplex or similar multi-unit property, you may be wondering whether you can use an FHA loan to finance your purchase. FHA loans are well-known for helping first-time homebuyers, but they can also be used to purchase duplexes. Here's everything you need to know about FHA loans, how they work, and whether they're a good fit for your homebuying plans.
Top 10 Strategies to Lower Your Mortgage Payments
October 22, 2024
Lowering your monthly mortgage payment can have a positive impact on your financial health, allowing you to allocate more money toward other needs or savings. Whether you're experiencing financial stress or just want to optimize your budget, exploring ways to reduce your mortgage payment is a smart move.
What’s Ahead For Mortgage Rates This Week – October 21st, 2024
October 21, 2024
The release of last week's inflation data has left this week with very few significant data updates. The most important information will come from various Federal Reserve members speaking on different topics. They have consistently emphasized that they will closely monitor the data to decide whether further rate cuts are needed in their upcoming rate decision meeting. Much of the market is optimistic that rate cuts will continue. Additionally, several smaller retail sales data releases are expected soon, which will provide insight into the current strength 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