Purchasing my first home in Washington, DC was truly a journey, but one that was absolutely worth…read moreit 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!!!

David was nothing short of spectacular in helping us achieve our goals. We wanted to minimize…read morespending 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.

Craig at McClean Mortgage was referred to us by our closest friends and I can see why. Simply put,…read morehe made the largest transaction in our lifetime seem easy. Craig was very thorough and treated us like we were his most important clients each time we spoke by taking time to listen to all of our questions and guide us through this process. Craig's professionalism and expertise was evident throughout the process. We closed on time and we're well prepared with absolutely no surprises at the closing table, all thanks for Craig and his team. There's no other lender I'd recommend!

Craig Belmondo financed our first home and we could not have done it without him. He spent hours on…read morethe phone with my partner and I explaining the financing process with us. He went above and beyond explaining key things we needed to know and really went out of his way to help us. We asked tons of questions and he never rushed us and answered all of them. He gave us so much individual attention we felt like we were his only client even though we know for a fact that business was booming and he was busier than he ever had been. He is extremely detail oriented and leaves no stone unturned. You want Craig on your team. I have worked with a wide range of professionals in tax, law, finance, etc and Craig is without question the best.

Brian was fantastic to work with throughout the mortgage process. He was responsive, knowledgeable,…read moreand took the time to explain every step clearly, which made a stressful process feel much more manageable. He shopped options, answered questions quickly, and was always transparent about rates, fees, and what to expect. What stood out most was how professional and steady he was from start to finish. I never felt pressured, and I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is sharp, trustworthy, and easy to work with, I would absolutely recommend Brian.

Over the years, we have worked with Brian on multiple home mortgages. His expertise saved us a lot…read moreof money and helped us get the loans we needed to eventually buy our dream home. He went way beyond our expectations for service and helpfulness throughout the process. He continues to provide excellent counsel as we have investigated refinancing our mortgage and buying a second home. As others have also said, I cannot recommend him highly enough.

My wife and I found our dream home. We were preapproved for the mortgage. But carelessness and a…read morelack of attention to detail on the loan broker's part caused the underwriters to void our loan application. We were certain we would lose the house we'd fallen in love with. Then, we found Don Frutchey and Atlantic Coast Mortgage. He stepped in and all the drama disappeared. Don was on top of everything. He kept us current with whatever we needed to do. He followed up on every detail. He was gracious, proactive, thorough and skilled. Because of Don and his team, we closed in record time and my wife and I now have the home of our dreams. Needless to say, we highly recommend him!

I had a different loan officer but switched to Don at my realtor's suggestion. I am really glad…read morethat I did so. Don is excellent and will go above and beyond to find the mix of mortgage offerings that work well for you. He puts his heart and soul into his work and truly works for your benefit. Researching multiple options, presenting pros and cons, drawing out financial benefits - he does it all. If I had to do it all over again, I'd go back to Don. Thanks!

We used Todd and his team for our first home. Being first time buyers, Todd was able to explain…read moreeverything to us and he was extremely responsive. Todd and his team were on top of it which is extremely important in an ultra competitive market. Each time we bid on a home, Todd had a pre-approval letter ready to go in with our offer on short notice. When we won our bid on our home, Todd and his team handled everything to ensure we could close in less than a month. They worked with us and we were still able to travel internationally while getting everything done for our closing date. You can shop around all you want, but nobody is more responsive and will get you the rates Todd will. His team was a pleasure to work with too. Highly recommend!

Todd and his team at First Home Mortgage went above and beyond in helping us with a complicated…read morerefinancing process. We received several referrals and Todd not only got us the best rate but even worked with us on additional ways to save some money as the process went along. Natasha on his team has amazing attention to detail and kept the wheels turning as the underwriters requested mountains of information. I would highly recommend Todd Pede and his team if you are buying a home or refinancing an existing loan.

Above and beyond is an understatement! Extremely knowledgeable, respectful, kind. Honestly I cannot…read morerecommend him enough! About a year ago we decided to buy an apartment at a retirement community for my parents in FL. We live in VA so we didn't know many people who could help us with this. Finding out that Mike also works in FL was the best thing that could've happened to us. A transaction that was supposed to close in 3 months lasted about 7 months. During this time he was our go to person for any question we had regarding the property. He helped us to navigate the extensive number of steps required by retirement communities in Broward Country, was always available and worked tirelessly to make sure we had the best deal. Once again I cannot recommend him enough and I'm looking forward to working with him in the future!

Mike helped my fiance and I buy our first home in Washington DC and I am so glad we found him to be…read moreour mortgage broker! The home we purchased was uninhabitable which makes it very difficult to get a conventional home loan. Mike had the flexibility and know-how to navigate us through an innovative renovation/mortgage combination loan that allowed us to surmount all the obstacles to getting a loan for our major fixer upper home! And at a much better rate than other renovation loans. Further, Mike is incredible easy to work with as a first-time home buyer. He patiently explained every step of the process to me (several times) and took an endless number of phone calls and emails with all my questions thoroughly answered. His staff is also incredibly helpful and quick to answer me at all hours of the day and night. Thank you to Cindi and Chris for all you did for us!

Getting a house loan can be a very stressful situation if you have no idea where to begin...be…read morethankful there are people like Jeff Richards and his staff that make this process a little easier. Jeff is the type of loan officer you'll appreciate in the long run...we worked with Jeff for roughly 6 to 7 months as we searched for the right property to suit our needs. Jeff and his team must have ran about 10 different offer scenarios and each and every time Jeff wished us the best of luck. At times I would reach out to Jeff just to ask questions, and if he didn't answer he would always call right back. Even when we considered going to a different bank for a better rate, Jeff asked for time to search for a better deal and he delivered. The real estate business is a tricky game if your mixed in with the wrong crowd. Do yourself a favor and at least give Jeff a call first for you home financing needs. No complaints from my end.

We had an excellent experience working with First Home Mortgage. I was so impressed by the…read moreautomation they use. It made it so much easier to send and receive all the forms required to settle on a home loan. All of the associates we dealt with in this firm were professional in their approach and certainly very knowledgeable about the type of loan that best suited our needs. We are SO HAPPY we chose First Home Mortgage. Thank you team. Lance Williams and Kelly Burrello.

I absolutely loved working with Kevin Russell at The Mortgage Link. I could not have asked for a…read morebetter and/or more responsive partner to assist me in this crazy market and house-buying journey. Whereas other lenders tried to make my life difficult, Kevin made it easier. He streamlined things and he moved quickly. We closed in three weeks (and probably could've closed sooner, honestly)! He was always just a call, text, or email away and I never, ever was left in the dark when it came to my file. I would strongly recommend TML and Kevin, specifically, to anyone who wants a straightforward, kind, detail-oriented, and honest partner. Also, Kevin is just a cool dude - not going to lie. He consistently gave me the real and was just as disappointed as I was that rates kept going up. To that end, it's important to note that Kevin checked in with me regularly because he wanted to make sure I got a good rate BEFORE the rates really skyrocketed. Glad he did. I truly enjoyed working with him. And if this review doesn't convince you that he's awesome, then ask yourself this: if he's not the best to ever do it, why was he featured on the news and other folks from other companies were not? #questionsthatneedanswers Anyway, hit up The Mortgage Link. Ask for Kevin. Tell him Destiny sent you. Note: For what it's worth, everyone else at the company that I worked with was incredibly nice and prompt, too. (Hi, Merridith!) Kevin was my fave, though.

I worked with Mortgage Link's Jorge Posada for my recent home loan for a home purchase in Baltimore…read moreCountry and found him responsive (at all hours), thorough, personable, instructive and well-organized. I would recommend Mortgage Link and believe Jorge is an asset for their organization. Thank you Jorge !