David Shlomo Toaff

First Home Mortgage
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Equal Housing Opportunity
Job Title
Sr. Loan Officer
Career Started
7910 Woodmont Ave Ste 1330 Bethesda MD, Bethesda, Maryland
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

David's Reviews

4.8 Stars - 54 Reviews
"David and his team did a wonderful job in getting a stress free mortgage for us."
Buying - Rosedale, Maryland July 2018
Buying - Washington, District of Columbia December 2017
Buying - Silver Spring, Maryland December 2017
"David is thorough, prompt, conscientious and an all-around decent guy. We did our re-fi with him because he was so amazing when we applied for our original mortgage. He is a joy to work with and a great asset to your team."
Refinance - Kensington, Maryland December 2017
Buying - Washington, District of Columbia December 2017
Buying - Washington, District of Columbia December 2017
Buying - Washington, District of Columbia February 2018
Buying - Washington, District of Columbia February 2018
"David Toaff was easy to work with and was happy, even with his busy schedule, to explain the process to me fully. He and his team were also very fast."
Buying - Washington, District of Columbia February 2018
"First rate from start to finish. David and his team are knowledgeable and attentive and will make your loan process as smooth as possible."
Buying - Takoma Park, Maryland March 2018
"David and his team were fast, professional, and available around-the-clock. They were patient with me during the process as much can be forgotten in between buying homes."
Buying - Reston, Virginia March 2018
"Excellent communication, diligent work by the entire team. Extremely helpful."
Buying - Bowie, Maryland April 2018
Buying - Washington, District of Columbia May 2018
"David and his team are first rate. An A++ team that focuses on clients. Highly recommend!"
Buying - Dumfries, Virginia May 2018
"David and his team were incredibly helpful and efficient throughout the process of purchasing my home. They were constantly available to answer my questions, and I had several!"
Buying - Washington, District of Columbia May 2018
"They were very responsive and quick. Closed on my purchase in 21 days. Both the processor, loan officer and Josh Fowler were helpful which made for a great experience!"
Buying - Hanover, Maryland May 2018
"Many thanks for the quick and efficient work to close my home purchase."
Buying - Washington, District of Columbia May 2018
"Very professional and go above and beyond to help their clients. Extremely kindhearted and great at clarifying new concepts. A pleasure to work with. "
Buying - Washington, District of Columbia May 2018
"David was very helpful from start to finish. He understood our needs and advised us accordingly. We don't think it would have been possible to close this deal without David's know how. "
Buying - Washington, District of Columbia September 2018
"David Toaff is the best loan officer I have ever known. He is sincere and looks for the best for me. He is straightforward and I do not need to worry about hidden fees or any unexpected items or rates changed or anything. I would recommend him to all my friends and families. Because I have very good experiences with him, this is my second time worked with David. First time was 2 years ago to buy my house and this time is for refinance. About First Home Mortgage, I think it depends on which loan officer you work with. I worked with and talked to couple of loan officers with fFrst Home Mortgage - not really quite good experience. This referred to the time before I met David. But after I met David, and worked with him - I also gave good rating for First Home Mortgage as well but actually because of David and his exceptional professionalism. "
Refinance - Beltsville, Maryland December 2017
"Extremely detail oriented and fast to respond."
Buying - Glenwood, Maryland June 2018
"Actually, I had more interactions with Josh than I did David. Josh was amazing, he was always available to answer my questions and discuss any concerns I had. I appreciated his promptness and expertise. Thank you Josh! Great team."
Buying - Bowie, Maryland June 2018
"David was initially very responsive and supportive. As soon as we discussed shopping around a bit he became much more high pressure. After settling on using him and his service, we did not hardly hear from him again, and would only receive responses from his assistants. David initially signed us up with the promise of one Mortgage Insurance program, only to turn around and tell me days before closing that we wouldn't be able to proceed the way we had planned and needed to adjust which cost several thousands more out of pocket. David and his team also significantly dropped the ball on investigating our eligibility for a Homeowners tax credit, which he had assured me he would investigate prior to our closing. David had even specifically assured me when –pitching” me his service that his team and him would –turn over every rock” to ensure we get the most discounts aSingle Familyilable."
Buying - Washington, District of Columbia October 2018
"Professional, knowledgable and provides fast service. I'm impressed."
Buying - Bowie, Maryland November 2018
"Very efficient and helpful team."
Buying - Washington, District of Columbia December 2018
"Working with David and his team was 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."
Buying - Hyattsville, Maryland August 2018
"David was great. As a first time home buyer, David helped me to feel comfortable and answered all of my questions. He was always very responsive and the team was easy to get in touch with. "
Buying - Washington, District of Columbia February 2019
"I used David to get my home loan, and he was great. They took me through the entire process and help me negotiate all of the requests from the lender. I was very happy with the experience and would highly recommend him."
Buying - Washington, District of Columbia February 2019
"Absolutely terrible, would never use them or recommend them. Would give zero stars if I could. I thought I would pay a bit extra in interest to get a full service brokerage and ensure closing was smooth. Instead I was lied to, forced to jump trough hoops last minute because of their mistakes, and was given nothing to make it right."
Buying - Washington, District of Columbia April 2019
"He was very helpful -- he assisted me in understanding my options and provided the best package to meet our needs!"
Buying - Washington, District of Columbia April 2019
"Good afternoon, I am very pleased to inform you that I recently applied for a home mortgage and was successful in this endeavor. I worked with Mr. David Toaff who along with his team at First Home Mortgage were absolutely professional, diligent, and effective in every aspect.  Mr. Toaff is a gem to work with and I would highly recommend anyone who is in the market to buy a home to work with him and his fine professionals for their lending needs. Respectfully submitted by xxxxxxxxxx xxxxxxxxx"
Buying - Centreville, Virginia April 2019
Buying - Washington, District of Columbia April 2019
Buying - Bowie, Maryland June 2019
Buying - Silver Spring, Maryland June 2019
Buying - Alexandria, Virginia June 2019
"He's responsive and attentive to our requests."
Buying - Gaithersburg, Maryland June 2019
"Working with David was an absolute pleasure. He was a complete professional, and I would (and will) recommend him to others."
Refinance - Washington, District of Columbia July 2019
Buying - Rockville, Maryland July 2019
Buying - Washington, District of Columbia July 2019
"See more of our experience from our yelp review online, but in short - David is honest and transparent in everything he does. He's always been a resource for us since we asked his advice on our original mortgage, more than even our original loan officer with another brokerage, and we couldn't wait to refinance with David. We didn't even shop around for the best rate. We just wanted to work with David, and we trusted he'd do the best thing for us."
Refinance - Wheaton, Maryland August 2019
"David was great loan officer. He was always available to answer my questions. I felt comfortable asking him questions as a first time home buyer. When putting in offers he would run numbers so that I could ensure that it would work for me and my budget. I highly recommend David."
Buying - Arlington, Virginia August 2019
Buying - Columbia, Maryland September 2019
"David totally exceeded expectations! Made an extremely daunting process very clear and straightforward. Super impressed with David's responsiveness and work ethic."
Buying - Washington, District of Columbia September 2019
"He went above and beyond! He was great at explaining and answering many questions. Thank you David!"
Buying - Washington, District of Columbia September 2019
Buying - Montgomery Village, Maryland September 2019
"David is very knowledgeable, quick to respond, has no problem explaining anything you need. Kept me updated. Excellent service."
Buying - Laurel, Maryland October 2019
"David is incredibly responsive and that was the most important thing to us during the process!"
Buying - Washington, District of Columbia October 2019
"David was an honest broker and made it a personal and friendly relationship. He delegated to well informed colleagues who were always prepared. Good work!"
Buying - Hyattsville, Maryland November 2019
"David is the best in the business. He is honest, responsive, kind, patient and extremely knowledgeable. On top of all that, were pre-approved with three lenders and David's offer was the best one! He gets our highest recommendation and thanks."
Buying - Washington, District of Columbia November 2019
"David Toaff was very on top of things whenever we needed an answer or if issues arised."
Buying - Capitol Heights, Maryland November 2019
"David always provides information and service that is beyond our expectations. This is clearly our largest purchase and our first house. Having a reliable local fiscal agent was indispensable."
Refinance - Washington, District of Columbia December 2019
"David was amazing! He was so quick to answer questions and went above and beyond to help us with our refinance."
Refinance - Damascus, Maryland December 2019
"David helped us every step of the way. Answered all of our questions, and made the whole process easy and a joy to do."
Buying - Temple Hills, Maryland January 2020
"David and his team made a very scary process seamless."
Buying - Washington, District of Columbia January 2020

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