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.

Brian was absolutely outstanding, and guided us through the entire mortgage process (as buyers)…read morewith poise and humor. We would absolutely use Brian again if we needed to get another mortgage. Cannot recommand him highly enough!

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!!!

I came across David's name completely by chance while looking for a loan officer, and I'm so glad I…read moredid. David is incredibly communicative, takes the time to understand his clients' needs, and guides them toward the best possible path to achieving their dream of homeownership. His knowledge, professionalism, and dedication gave us confidence throughout the entire process. He introduced us to first-time homebuyer programs that helped with our closing costs and down payment, and at the same time, he was able to secure a lower interest rate than we thought was possible. We had already spoken with four other lenders, including a credit union, and none of them came close to the rate and options David found for us. Honestly, I didn't believe it was possible until he made it happen. Choosing to work with David was the best decision we could have made. I highly recommend him to anyone looking for a knowledgeable, trustworthy, and genuinely caring loan officer.

When I called Potomac Trust cold for information on a refi, I didn't get a machine saying "punch 2…read moreif you want to talk to a broker, 3 if I'm wasting your time and 4 if you like impersonal recordings like this one that make you feel like a number." I got the owner himself, after just two rings, a guy, with more than 20 years experience, a human being. Heath Bourne listened to what I was looking for in a refi and within an hour sent me an email with three written estimates from different lenders, each with an interest rate significantly lower than what I'm paying now! I am a person who asks a lot of questions. This can test the patience of and even annoy some people (yes, I'm talking to you, mechanics and doctors!!). I was going to say my wife, but thought otherwise on social media. Anyway, I get it. Time is money. Tough customers take time. But Heath answered all of my questions with professional courtesy and patience through multiple phone calls, emails and requests for revised estimates that would drive most brokers nuts. No wonder my online research revealed Potomac Trust Mortgage has an A+ rating with the Better Business Bureau (https://www.bbb.org/us/va/alexandria/profile/mortgage-broker/potomac-trust-mortgage-llc-0241-142453140). This may sound a little corny, but the "trust" in Potomac Trust Mortgage was more than just a name more. It was the way they did business with me. You can trust them.

As first time home buyers, we were quite overwhelmed with the entire process, from start to finish…read more Our first task - post finding a realtor - was getting pre-approved. We met with Heath at PTM at the suggestion of our realtor. He was incredibly nice, incredibly helpful, and willing to answer any questions we had. We peppered him with questions via email before he had any idea whether we'd use them or not, and he answered every one of them thoroughly and promptly. When we had an offer accepted, one condition was that we close in three weeks. Within 24 hours of the offer being accepted, they had a lender for us, initial mortgage estimate documents, and a list of everything they needed. Heather walked us through everything, and was so responsive and prompt. We literally went from accepted offer to mortgage signed in about a week! (It also helps if you make sure you have all your documents ready to go from your end, and they will give you a list of what you need). Everything we did with PTM was electronic, so we weren't worried about running to the office to sign anything. They were accessible via email and phone, and even when we had what was probably a stupid question, they were happy to answer it. From the start, based on our research, we wanted to work with a broker rather than a bank directly, and if you are wanting to do the same, Potomac Trust Mortgage has got to be your go-to!

I had everything I needed a 60,000-down payment, credit score, and a mortgage certificate. I…read moresacrifice everything and, wait for years to get house of my own. They didn't at all help me. They rejected my application, and said I need another down payment of 60,000. A total of 120000. They crush my dreams and I'm still living in hell.

I always pay my mortgage payment early. Try to do it this month and I couldn't access my online…read moreportal. Contacted customer services and they couldn't access the portal either. Then she found out the online site isn't working. Communication about this would have been great customer service...but I guess once you are a customer customer service goes out the window. Wasted over an hour of my time to pay YOU! Do better.

FIVE STARS!!! Top recommendation! Call Carolyn!!! I…read morereached out to Carolyn after my unexpected and ugly divorce, feeling completely overwhelmed. I desperately wanted to keep our family home so my kids could have stability in the only house they've ever known--but I didn't think I could afford a buyout. Before finding Carolyn, I had some discouraging experiences with other loan officers--one mocked me for being a federal employee and said I was a risk; another dismissed my questions with "you can Google that." By the time I connected with Carolyn, I was exhausted and despondent. From our very first call, everything changed. Carolyn's incredibly knowledgeable and knows how to navigate the complexities of loans (and divorce) - but what truly sets her apart is her heart. She is one of the kindest, most compassionate people I've ever worked with. She patiently answered every single question I had (and there were many!), never once making me feel like a burden. She kept me informed every step of the way, handled every hurdle with grace, and stayed fully engaged from start to finish. Most importantly, she gave me confidence. Instead of feeling lost or intimidated, I felt empowered--because she took time to explain everything clearly and truly acted as my advocate. To my amazement, Carolyn showed me that I could afford to buy out my ex - and helped me get a great rate! She guided me through every step of the process with care and professionalism. She came highly recommended by my financial advisor, and now I completely understand why. She didn't just help me get a loan--she helped me keep my home and create stability for my kids during one of the hardest times in my life. If you're looking for someone who's both a top financial professional AND a genuinely caring human being, CALL CAROLYN! She's a brilliant loan officer/fairy godmother - and I'm forever grateful.

Received an exceptional service from Carolyn! Always very responsive and all paperwork was handled…read morein a timely manner, particularly within a tight timeline. So appreciate all of her help!! I would highly recommend her and Main Street Home Loans.

I have been inside and also used the ATM. I have always been able to quickly deposit or withdraw…read moremoney and I love being a NFCU member. I am not sure how they are for larger purposes, but I enjoy using this bank.

Extremely unprofessional staff. I should have known when I walked in and the trash was overflowing…read more No members in the branch and poor quality staff. I was not helped and had to go to another branch. Was given incorrect information telling me I couldn't write the check out to the person I had to deposit the check to because they had to sign the back of the check....girl what? If this was my experience with my account I would IMMEDIATELY cancel.

This is the absolute dream team! In this market, it is so important to find a flexible and…read moreresponsive lender and Katie and Alyssa were absolutely amazing at helping us get competitive offers out the door FAST. Even on nights and weekends they responded to our emails within a few hours at most. They absolutely exceeded my expectations in getting us a great interest rate, and made us feel reassured that our financing was taken care of, so that we could make the best possible offer. When our offer was accepted we worked with Modesta to get all our financing in order, who made it such an easy process. I cannot recommend this group enough! They make a daunting process so much easier! You will not regret working with them!

Katie and Alyssa were both amazing. They were very prompt answering all of our questions and even…read moretalked after hours with us. HIGHLY RECOMMEND! :-)

Closing was pushed back twice. Never was I given a clear explanation of why the delay happened in…read moreboth cases. Poor communication. If I was not on top of the process, I would not know how the process was going on. In overall, a bad experience and would not recommend it.

Sellers beware! We were selling our home and Homespire was…read moreour buyer's chosen lender. We were told that buyer was pre-qualified, and for the whole month before closing, Hopespire has been telling our agent that everything looks good and that they were only waiting for a couple of updated documents from the buyer. THREE DAYS BEFORE CLOSING, we were notified that the deal fell through because the buyer couldn't secure a loan! We were told that lender found out there was a mistake in buyer's credit report!? I simply can't understand how such thing could happen after a month of "everything looks good"?? We didn't even get to keep the honest deposit and now have to put our house back on the market and start allover again. Worst experience ever.

Scott and his team are a great experience. They are thorough and truly will get you the best…read morepossible mortgage. The follow up and follow through of Scott and his team was impressive. I highly recommend him for any mortgage need. Fez Sipra

Originally I tried my credit union for a refi. After 6 months, a low appraisal and terrible…read morecustomer service, my friend said, I just saw Scott post about VA refinances. After smacking myself on the head, I called him. 3 weeks later we are in a GREAT loan (with an even better rate), reduced our monthly payment more than 30%, appraised correctly and now about to take cash out to put a bathroom in the basement! And so smooth I could cry. Never will I think to use anyone else again! THANK YOU Scott Davis and your team!!!!

Francki DiFrancesco is a con artist, liar and should lose her mortgage originating license. First…read moreoff, Apex as a company is good. They have an efficient, seamless process and the departments all work together well so that your file is never stagnant. I closed in under 4 weeks which was awesome. The problem was that my loan officer Francki DiFrancesco repeatedly lied and mislead me about working on lowering my interest rate. She was careful to do this by phone so that there wasn't a paper trail and then by the time she admitted the rate wouldn't change, it was too late. I had to close or lose my $14,000 earnest money deposit and my condo. I wish I worked with anyone at Apex besides Francki.

We found Apex Home Loans from our online research. Saw that they had great reviews in the Rockville…read morearea. We decided to give them a try and they didn't disappoint. The interest rate was questionable at first, but we felt more comfortable when my credit union offered a higher rate. Matt Lieberman was very helpful from beginning to end. He answered our questions very quickly. He was also just a phone call, email, or text away. Matt was also very flexible with our schedules since we also work in car sales. I'm also very surprised we didn't have any problems leading up to closing. They did it in less than 25 days! Everything is what we expected! We were also concerned with our commission-based income, but Matt and his team were able to work with us! He assured us 100% that everything should be okay and he was right. We also loved the engraved cutting board gift. We appreciate your team. Thank you Matt, Angie, and Debra!