Purchasing my first home in Washington, DC was truly a journey, but one that was absolutely worth it thanks to David Toaff, his team at First Home Mortgage, and my realtor Terinee Bonds. I was originally introduced to David through Emily Atwood back in May 2019. After a minor setback, I was reconnected with him by Mr. Bill Milko in June 2022, and from that point forward the process officially began. From June 29, 2022 to December 11, 2022, this six-month journey taught me patience, discipline, and the importance of having the right people in your corner. At first, I found a condo in Northwest DC that I absolutely loved. The price was around $220,000, which was amazing for DC, but unfortunately FHA would not approve it because the HOA reserves did not meet the required percentage threshold. While it was disappointing at the time, everything happens for a reason because I later found another property for $325,000 that turned out to be the right fit for me. I was also approved for the DC HPAP First-Time Homebuyer Program along with DC Open Doors, which were both incredibly helpful programs for low-to-middle income homebuyers. I highly recommend anyone looking to purchase in DC to explore those opportunities. There were definitely bumps along the way. In August, I had to resolve my 2021 tax bill, which became part of the process. Throughout everything, David remained patient, professional, knowledgeable, and personable. He genuinely cared and always kept my best interest at heart. He also stayed on me about my spending habits, especially my DoorDash spending, making sure I stayed financially on track to successfully close. David also made sure everything was taken care of through his amazing team, Josh and Danielle. They consistently checked in with me through calls and emails at least three times a week, making sure I understood every step of the process. That level of communication and support made a huge difference because buying a home can feel overwhelming, especially as a first-time buyer. They truly walked me through the process from beginning to end and helped make things much less stressful than they could have been. What really stood out to me about David was his personality. He is truly a people person and just an overall down-to-earth guy who genuinely believes in helping people achieve homeownership. You can tell this is more than just business for him. He wants to see people succeed and become homeowners, especially those who may not think it's possible for them. That kind of authenticity matters during a major life decision like buying a home. Terinee Bonds, who I originally met through Redfin in 2019 and who is now with Keller Williams, was equally amazing. She consistently checked in, advocated for me, and helped guide me through every obstacle that came up along the way. Like David, she was personable, caring, patient, and truly invested in helping me succeed throughout the process. In the end, I only had to bring about $3,250 to closing, and I also received seller credits, which made a huge difference. I am beyond grateful for David, Josh, Danielle, and Terinee. I highly recommend First Home Mortgage and Terinee Bonds to anyone looking to purchase a home, especially first-time homebuyers navigating the DC market. Their professionalism, honesty, communication, patience, and dedication truly made this dream possible. He will really work for his clients and it's worth it. Trust his word he is extremely knowledgeable. 10/10 overall!!! read more

David was nothing short of spectacular in helping us achieve our goals. We wanted to minimize spending on our new home purchase, with 2 kids in school. David was able to close quickly on a program that gave down payment assistance & closing costs, reduced mortgage insurance and was able to secure a big discount on title fees through one of David's connections. He also referred a great contractor to help us with some renovations post close. I've already referred a friend with confidence and consider David a trusted friend, far beyond what I expected from a loan officer. read more

I originally came across David on a few of my listings, and after seeing how smoothly those transactions closed, I knew I wanted my own clients to connect with him. Working with David and First Home Mortgage has been seamless from start to finish. He offers a wide range of loan products that truly meet buyers where they are, whether they're first-time buyers or moving up to their next home. He takes the time to explain options clearly, stays ahead of timelines, and keeps everyone informed throughout the process. On top of that, he's just a genuinely nice person to work with. Professional, responsive, and reliable. I'm confident referring my clients to David and First Home Mortgage and look forward to many more smooth closings together read more

David was instrumental in helping me find the right loan product for my first home purchase. He thoroughly explained the process, answered all my questions and was clearly a trusted advisor, rather than someone trying to just sell a mortgage to me. He also helped me snag a great discount on a local title company that did solid work. I've since referred a friend and know I can trust David if questions arise. read more

Highly recommended, would use again. Very satisfied with David Toaff and his team at First Home. I'm a first time homebuyer and was very stressed and overwhelmed with the entire process. Working with him really alleviated the anxiety I had with an unfamiliar process and with so much money on the line. David was the consummate professional and highly responsive. I had a million questions and he never once seemed frustrated or rushed me. He took the time to answer every single one of my questions and explained things in a way that was easy for me to understand. Whenever I needed to speak with him, he either took my calls/texts immediately or got back to me very promptly. The other members of the team were also very responsive. They got necessary information to me in a timely manner, and also promptly replied whenever I had questions. There was a small hitch in my settlement and they worked diligently to resolve the problem very quickly. I still closed on time. Again, this is my first time buying on a house and going through the settlement process so I do not have experience with other lenders but I am absolutely satisfied with David and his First Home team. read more

David is a phenomenal lender. I've worked with few lenders during multiple transactions over the years and he is service is stellar. From the moment you connect with him, he is extremely attentive, he takes the time to explain things, and has a team of professionals working with him so that you have direct access to either him or someone on his team that is closely involved with your transaction so you can get in touch and get questions answered at almost any hour. He worked closely with me to be able to close in less than 2 weeks and was able to provide a very competitive rate. If you are looking for a great local lender, I highly recommend David and his team! read more

We have used David and his team twice now and cannot recommend him enough! Our first condo in 2018 was pretty straightforward and he walked us through each step with expert knowledge and insight. It was our first time buying a property and they made us feel very comfortable and informed while making such a big decision. Our second property was a little more complicated (living in a different state, having a co-signer, as well as high interest rates). Once again, David and his team where available to help us understand our options and provided quick responses to all of our inquiries. I highly recommend David and First Home Mortgage and looked forward to working with them again in the future! read more

David and his team are outstanding. Throughout the homebuying process David always provided detailed, informative, and responsive information and advice. He is professional, knowledgeable, and shows a genuine care for his clients. Our purchase went very quickly, and David moved the VA loan process forward with remarkable efficiency and attention to detail while also providing optimal rates and closing costs. He operates with integrity and gives practical, straightforward advice. I agree with all of the other positive reviews David has received. They are well deserved, and I highly recommend David for anyone looking for a great lender. read more

David was very helpful in the home purchasing process. As a first-time homebuyer, I was heading into the unknown but David and his team took the time to walk me through it, every step of the way. It was remarkably easy. Thank you, David + team! read more

David and his team are great! Not to mention, the interest rate was very competitive and so were the closing costs! We appreciated how easy it was to reach out to them regarding any question- regardless of how trivial it may have been. David and the team treated us with loads of patience and were generous with their time. Their advice in such a competitive market helped us remain clear eyed about all of our options. This was incredibly helpful for 1st time buyers like ourselves. We are super happy about the house we ended up with and know that David and his team played a great part in helping make that happen. Overall - strongly recommend. read more

David is absolutely amazing to work with!! He was very knowledgeable and responsive to all of my questions. I couldn't have asked for a better loan officer. I worked with David to help me purchase my home in Virginia. I had no idea how intense the home buying process was as it was the first time I purchased a home alone. So I was nervous and couldn't have been more of a pain in the butt. He made me feel like I was his only client. He made the experience seamless. read more

David and his whole team were a delight to work with! From our initial phone call, through navigating multiple offers in this challenging market, and finally with seamless, quick closing.. they were with us every step of the way. We are thrilled to be moving into our new home in a few weeks and this #dreamteam made it happen! Can't recommend them enough! read more

Professional, quick, and extremely helpful! Working with David and his team has been an absolute pleasure. As a first-time home buyer, I felt moderately undereducated walking into the home loan process. From day one, David made me feel at ease and that he was working hard for me. He and his team were available throughout the entire process and quickly responded to each and every question I had. Each person I worked with was not only patient, but also very friendly and down-to-earth. This went a long way in making me feel comfortable and that I was making the right decision. David worked with me to provide several loan options, and we worked together to decide on the best option for my situation. I cannot recommend he and his team enough. They are truly professional and genuinely nice people. read more

David expertly shepherded us through our first home buying experience. His patience and attentiveness were exactly what we needed during this confusing process. Before we even got to settlement, we had become friends and that is not at all what I expected from a mortgage lender. David is competent, kind, and dedicated to his clients. If you are the type of person that values personal attention and a sincere relationship when doing business, David is your man! read more

David Toaff - First Home Mortgage - Our closing day! - Mortgage Brokers Near Me - Bethesda, Maryland

David Toaff is the BEST mortgage officer, I would recommend him to anyone. His team was unbelievably responsive, I always knew that any question would be answered ASAP. For my first home buying experience, I had no idea what to expect, but the loan application process, the interest rate, and closing were all incredibly easy and smooth. I felt like I got a really good loan and could really trust everyone I was working with. I would recommend David Toaff and his team to anyone looking for a mortgage. HIGHLY RECOMMEND. read more

I worked with David and his team (and Kara Ellis as a realtor - she is wonderful) while putting an offer on a condo in DC. I did not actually end up winning the offer (it was really a long shot, no fault of David or Kara), but David did everything in his power to make the process simple and accessible. He was so generous with his time, made sure to explain things whenever I had any confusion or concern, and made sure that the offer we ultimately submitted was one that would be comfortable for me. First Home Mortgage also does the DC Open Doors program - I met David while attending a seminar about that program, and he really knows about all the different financing options out there. David and his team were always incredibly quick to respond, knowledgeable, flexible, and kind. I strongly recommend working with them if you're seeking a mortgage in DC. read more

I am a first-time home buyer and was pretty lost about the entire process when I started. My friend connected me with David and I am so thankful for it. David and his team are kind and responsive. They treat their clients with so much respect and care. David worked around the clock to make sure all of my documents were in, answered questions, and calmed my anxiety no matter the day or time. He is very knowledgeable about home buying programs like HPAP and EHAP, he has a lot of connections in the home buying world and was able to help me save so much money during the process. I am so thankful that I was connected to David, I highly recommend him and his team!! read more

We just refinanced our home with David and everything went well! He bends over backwards to get your questions answered and is very knowledgeable. read more

When a larger bank was failing me in my loan process, David and team stepped in and saved the day. They were incredibly fast, professional, and communicative. David helped me find a solution that best fit my financial situation and made sure that we had a smooth and successful expedited experience, while reassuring me along the way that we would get this done in rapid time. Kudos to the entire team that worked to get this done, and went above and beyond helping me find lower insurance rates! The whole experience was 10/10 and I couldn't recommend him highly enough. I will absolutely continue to work with David in the future and would recommend him to anyone who is looking to secure a loan or considering purchasing! read more

David Toaff is my loan officer for a condo I bought in DC last week. I highly recommend that people use his services. He is extremely dedicated and courteous and super friendly. I had a 2.5 week close and despite the short window between offer acceptance and close David delivered and my loan was approved. He was very diligent in responding to my emails and texts (even responding at midnight minutes after I had sent an email). He would take time out of his busy schedule to periodically inquire if everything was going as planned and to answer questions I had. He made a complicated and exhausting process easy to work through. Ish read more

David is responsive, informative, and fast! As a first time homeowner, I appreciated the level of detail that was explained with each step, as well as the patience displayed in those explanations. On our first phone call, I think he spent over an hour personally explaining the home buying process and then went on to presenting options best suited for me and my specific situation and preferences. As well, him and his team are extremely responsive at all hours of the day. At the end of the day, I am closing on my house without any hiccups and I could not have been any happier with the transparency and quality of service provided by David and his team. read more

David was instrumental in making our home purchase a smooth and easy process. We never had a question unanswered and David's promptness was incredible. David made sure that every possible avenue was explored and never pressured us in any way. I have recommended him to multiple people who have all also had wonderful experiences. I cannot recommend his services enough, or thank him enough for making something as important as a home purchase as painless as possible. David has continued to be responsive and always grateful for our referrals. He is truly the best in his field, and a great person we consider a friend for life. read more

My wife and I worked with David and his team at First Home Mortgage in early 2019 for the purchase of our first home in Montgomery County. I first came across David's business profile on Yelp and decided to reach out -- and I'm very glad I did. From start to finish, working with David was a phenomenal and extremely seamless experience. David is fast, reliable, detail-oriented, patient, and always friendly. I must have sent him a few dozen questions about the underwriting process at all times of day (and occasionally night), and without fail David got back to me extremely fast with a comprehensive answer (and occasionally even a detailed Excel sheet!). I have worked with a lot of professionals in various lines of client services before, and I can say without reservations that he is a true rockstar when it comes to going the extra mile for his clients. David delivers. He is a great guy all around. If you are looking for someone who is highly knowledgeable and will work extremely hard on your behalf to get the deal done, go with David. He is your guy. He is a true asset, and I can't recommend him more highly. read more

David and his team have helped us through several transactions in the past year. We found David's team to be extremely professional, organized, helpful and always available for our endless list of questions. David is very well connected and respected in the in the home mortgage industry, and from our first discussion, we knew we were in great hands. We highly recommend David and his team and truly appreciate the hard work they've put into all of our transactions. read more

I'd like to thank David and his team for helping me through the first time home buying process. They were amazing in every step of the way. They were responsive, informative, and very professional. I highly recommend using David if you are looking to purchase real estate. I definitely plan on working with them again. Thank you! read more

David and his team have been amazing! Always ready to get me an estimate for a home I'm about to submit an offer for, no matter the day/time. His knowledge of the VA loan is vast, and it shows. I had used NFCU on my first VA loan, and at the time I thought it was ok.... After working with David, I will never again use another! It's awesome knowing I can trust him and his team with such a huge responsibility. 10/10 recommend!! read more

David Toaff's service far exceeds five stars. My mortgage loan approval process with him was a breeze and I really do feel as if I've found the best loan officer in the business. He gives great advice which actually is in the best interest of the customer. He puts my previous loan officers to shame. This guy NEVER sleeps and never stops working!!! From his first email of him introducing himself to me, I knew this guy was the real deal and would work the hardest for me like no one else. He's confident that he's the best and you know what, I challenge you to prove him wrong. You'll lose that challenge! You will always get a response from him promptly no matter what time you email him. His team is also great. David and his team were able to get my loan approved for closing a whole week before my original closing date which was already pushing it as far as timing. I can't thank him enough! I would definitely recommend him to anyone. I'm just glad someone recommended him to me! read more

I'm a first time homebuyer who is a natural skeptic. David was patient, professional, personable, knowledgable, and very helpful. Before I knew it, he'd earned my trust and I couldn't imagine having gone through another loan officer. Looking forward to seeing how we pull this all together so I can get into a new home! Thank you, David! read more

David helped me obtain financing for my very first home and I can't say enough about how helpful and responsive he was to my every request and question. David is very knowledgeable about real estate financing and was able to complete my loan process seamlessly. David is extremely professional and courteous. He told me exactly what to expect during every step of the process. I highly recommend him! First time Home Buyers in DC definitely should look into DC Open Doors and make sure you contact David who can walk you through the process. Thanks again David for all your help and guidance! read more

David is fantastic and I would recommend him to anyone I know. I worked with David several times, with significant time in between and he consistently showed up, made himself available and was helpful every step of the way. As a first time home buyer I had lots of questions and David never made me feel that any question was unintelligent! If you are looking for someone who is easy to work with and very communicative David and his team are it! read more

Great, and far exceeded all expectations!! David, Josh and David's team were great! Extremely knowledgeable, responsive, and patient with our questions. David was available to us days, nights, and weekends. He even helped us on a holiday weekend and was regularly available late at night or when something came up last minute. No item was too small for David and his team. He was really helpful in guiding us through the entire process, and we really felt supported. We are very grateful to David and his team and would definitely recommend them to anyone! read more

David is extremely responsive, understanding, courteous, transparent, patient, and pleasant. He was very proactive and guided me through the daunting mortgage process as a first time home buyer. I shopped around for mortgage folks and I decided to go with David because he was so much more responsive than the others and was able to match another lender's offer. His responsiveness was especially impressive because my mortgage was on the smaller side for the DC market. I felt very taken care of during the entire process - we probably talked on the phone at least 20 times. He often would immediately respond to my emails sent at midnight and 5 am (sometimes on the same day!). David also respected my no credit besides mortgage stance (I'm a Dave Ramsey fan) and provided me with information without pressuring me into changing my financial values. read more

This is my second time reviewing David and First Home Mortgage. I first worked with David in 2014, and just closed on my second refinance with him. Each time we have worked together, including this most recent time during Covid, he has maintained his high level of customer service, excellent communication, and positive energy. Simply put, he makes things as easy and smooth as possible for his clients and working with him is a pleasure. read more

David was my loan officer for a condo I purchased a few weeks ago. I purchased my home using HPAP funds. Most of the lenders I spoke to at the very beginning of my buying process tried to dissuade me from using HPAP, but not David. David and his team are very professional and responsive despite the very busy season; his assistant Evan always answered my calls on the first ring. David made sure I got the best deal possible, and I am so happy with my decision to go with First Home Mortgage. read more

David is great! I am a first time home buyer and had no idea what the process was supposed to look like. David always answered all my questions, even the stupid ones, even on a Sunday night. He explained every step of the process to us, so me and my husband felt like we were in good hands all the way through closing. I highly recommend David from First Home Mortgage for his professionalism and the way he treats his clients. read more

Dave provided me the most premium level and speediest of service. Purchasing a home in DC was super easy through him, as he explained the process and everything else in easily-digestible format. But more importantly, he's on top of all local area grants and special loan offers, and deep inner-workings of the system. His hardworking efforts saved me lots of money, and allowed me to put in offers within a day of contacting him, with all of his quick turnarounds. Will be thrilled to recommend him to anyone close to me who mentions they are in the market. read more

If you are looking for a loan officer, look no further. David should change his name to 24/7 because he is always available, day or night, to advise on securing financing for a home. The first home we bid on was over Memorial Day weekend, we were given names for several lenders, but our realtor recommended David since he'd be the only one to get our financing approved over the holiday weekend which he did. David's prompt responses to our questions and taking the time to explain everything to us, no matter how many times we asked, was greatly appreciated and made us feel like we were some of his most important clients. read more

David Toaff at First Home Mortgage is amazing to work with. We just purchased our first home in Vienna, Virginia. David helped us find the right mortgage option for us which happened to be using two mortgages (a first and second mortgage) which helped us avoid paying a mortgage insurance. He is extremely responsive and helpful. We felt we were in good hands through the entire process and highly recommend him! read more

I was initially going to use USAA for my VA loan but they kept delaying my closing date (mind you as a military member I had already moved here and was living in a hotel, which was getting costly). When I dropped USAA and contacted David and stated that we are only 20 days from closing, he stated it would be no problem and that we'd get the ball rolling and get everything done. And that he did. His processors are wonderful and David is just very excited about his job, which made it very easy to work with him. Not only that, but I was able to contact him almost anytime day or night. I would absolutely recommend him for your conventional or VA mortgage needs! read more

If you want to go into the home buying process with complete and total confidence in your mortgage financing then you need to be working with David Toaff, period end of story! David is customer service personified. There is seemingly nothing that he can't tackle, and in record breaking time. I had foreign property that was being sold to provide the downpayment on my new home purchase. The documentation and accounting for a foreign asset was fairly tricky to me, but David handled it like a pro! I remember the first time I emailed David -- I was still in recon mode, trying to figure out what I could afford. I said I wasn't looking to buy any time soon, but just exploring. I got a response within about ten minutes -- on a Friday night, too! David made me feel that home buying was achievable for me, and not an intimidating process to avoid. In fact, I would say his knowledge and experience put me at ease and made me move forward in buying a home because I felt so confident about the process. The surprise and delight I felt from our first interaction has persisted throughout my entire home buying process. David is extremely responsive, day, night, and weekend (do you sleep David?!) and he never once dropped the ball on anything, not even the slightest detail. He will make you feel like you're his only client from the exploratory phase right down to closing. Furthermore, I felt like David really cared about me as a person, he was warm and engaging, I never felt like I was just a customer in his queue to be completed for commission, but rather I was treated like an old friend. I was offered mortgage options that fit my risk tolerance, were creative, and allowed me to purchase the home of my dreams! He worked closely with my realtor in the background, without my prompting, so any time I was narrowing in on a property, I had the necessary pre-approval paperwork, estimates, etc., to feel confident and informed. There's no reason to work with anyone else! Thank you David for being #1 and making dreams a reality! read more