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    David Toaff - First Home Mortgage

    David Toaff - First Home Mortgage

    (65 reviews)

    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.

    Maryland Mutual Mortgage

    Maryland Mutual Mortgage

    (3 reviews)

    As a 1st time home owner I was referred to Maryland Mutual. I had never purchased a home before…read morethis and honestly didn't know what to expect other than the nightmares that everyone makes the mortgage process to be like very stressful. YES! It can be stressful as I witnessed it 1st hand going thru my home purchased but I can say that I was very very fortunate to have David & The M.M. Dream Team in my mortgage processing corner!!! Mr. David Helper and his team are amazing!!! My process went very well & he is so very knowledgeable and has a vast range of experience in the Mortgage processing business and I found all this out just by interacting with him quite frequently throughout the entire home buying experience from start to finish I felt like he was in my corner and working to do all of what he could so that my numbers JIVED correctly & as well as kept me informed of all things little and small. David and his team did a superb job and always keeping me in the loop no matter how big or small the detail was. There was no surprises, I was kept informed and briefed on how all things would happened before they even happened & I felt like I had a team/support system behind me thru the entire process!!! My family and I are so grateful to David & the Maryland Mutual Mortgage team!!! Truly amazing and we love our new home! Thank you David & Maryland Mutual Mortgage!

    I worked with Corey Anderson and his team securing a mortgage for a new home and I couldn't be more…read moresatisfied!! Everything went smoothly and the team made sure that I understood the process and knew what was needed from my side of the process. I definitely recommend Corey and his team! BTW- the costs were the best I found and everything closed right on time!

    Affordable Home Mortgage - West Bart's Business Card

    Affordable Home Mortgage

    (6 reviews)

    I cannot say enough good things about our experience with West Bart and his team at Affordable Home…read moreMortgage. We were in an unusual starting position, but West handled our situation with on-point knowledge, excellent advice, and a refreshing and consistent level of stellar customer service, as well as a hefty amount of patience. He truly held our hand through this buying experience (my first), and was always up front with what to expect and how things would work out, while also keeping a vigilant eye on market conditions and potential impacts to the interest rates at the time, as well. Despite being a busy broker, we were not once ever treated as though we weren't his most important client, and truly felt he was personally invested in our home purchase and buying experience. West Bart is very good at what he does, and if you're considering the differences between a regular bank and a Mortgage Broker, I urge you to choose Broker and call West. He is patient, takes the time to truly make sure you're comfortable and educated throughout the entire process, and helped make our dreams of home ownership a reality. He even recommended an insurance agent that helped us save a tremendous amount of money, as well!

    Working with West Bart to obtain a loan is a smooth process. He is thorough and personable. Being a…read morebroker, he can work with many different lenders giving one an optimal chance of obtaining a desirable loan. I recommend West very highly for anyone with a need to obtain a loan.

    Naca - mortgagebrokers - Updated July 2026

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