About David Toaff
First Home Mortgage Corporation, NMLS ID #71603 (www.nmlsconsumeraccess.org).
David Toaff
NMLSID#
1065782
Company
First Home Mortgage
Participating lenders have agreed to a LENDAID code of conduct relative to transparency and independent customer surveys.
Job Title
Sr. Loan Officer
Career Started
2013
Address
7910 Woodmont Ave Ste 1330, Bethesda, Maryland
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
"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 is amazing, very knowledgeable, patient and encouraging. My entire loan process went very smoothly. David and his team worked very well together, and I closed on time. I would contact David again for his services and refer to anyone I know that is looking for a mortgage lender. Thank you again!"
Buying - Clinton, Maryland October 2024
"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. Â 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
"Excellent commitment I’m happy for Service for everything Thank you again!"
Buying - , November 2024
"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
"Godsend-that is how I'd describe our experience with David and his team. We just moved into the home of our prayers, after a foreclosure and bankruptcy (bankruptcy-still on my credit file) in 2016. David was able to secure us $25,000 in a closing grant for teachers, and a 5.875 interest rate at a time when mortgage rates are back in the 7's. And all of this from the seller accepting our offer on October 18, and going to closing on November 18. David was the third mortgage officer we'd consulted in the last two years, but the first one we'd connected with. He made us feel like we were his only clients. He was very interested in who we are and what we wanted. David also took the time to explain our particular homebuying process with great clarity and simplicity. We also had a similar experience with his team-Alyssa and Joshua. One Saturday morning I spent nearly two hours on the phone with Alyssa, talking mostly about the state of education and the world, while she patiently guided me through some documentation requirements. And when David was unavailable, Joshua was right there, and there all along to handle questions and direction. I recommend David and his team to anyone. When we move again after a few years, we'll definitely be working with him again."
Buying - Wheaton, Maryland November 2024
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
Buying - Washington, District of Columbia February 2020
"Great person to work with, and would highly recommend."
Buying - Washington, District of Columbia March 2020
"Super responsive and easy to work with!"
Buying - Washington, District of Columbia March 2020
"The communication and helpfulness was much appreciated."
Buying - Lusby, Maryland March 2020
"David and Evan were there anytime of day even on weekends to answer my questions. VERY KNOWLEDGEABLE! I got a much higher rate from a different mortgage company and met with Evan and he told me EXACTLY what I needed to do in order to increase my credit score (Ex: pay a couple hundred dollars to a credit card) and get a MUCH better rate. Which I did. They were so helpful and provided me with excel spreadsheets to see the breakdown of closing costs. They made a stressful experience into an easy one. Thank you!!!"
Buying - Nottingham, Maryland March 2020
"Very responsive and easy to talk to."
Buying - Washington, District of Columbia March 2020
"Amazing response time. Was able to answer any questions I had promptly. Made sure I got the best deal I could."
Buying - Washington, District of Columbia March 2020
"He and his team are very helpful. They guided us through all the necessary process in our first home buying experience! The team is awesome!"
Buying - Burtonsville, Maryland March 2020
"David and his team are great to work with, they bend over backwards to make things as easy as possible and provide great rates."
Refinance - Washington, District of Columbia March 2020
"He takes the time to explain paperwork, what is being signed, and why it is needed. If we need a question answered, he was always available to address our questions."
Refinance - Washington, District of Columbia April 2020
"David is always great to work with! He is patient, extremely responsive, and always answers all our questions. Thanks so much David!! We really appreciate your help!!"
Refinance - Washington, District of Columbia April 2020
"Courteous, respectful, responsive."
Buying - Leesburg, Virginia April 2020
"David and his team were very helpful and responsive."
Buying - Washington, District of Columbia April 2020
"David was responsive and helped address my questions - even the dumb ones."
Buying - Washington, District of Columbia May 2020
"David and his team were with me every step of the way and even when it seemed that things were not going to work they did not give up. Thank you very much!"
Refinance - Fort Washington, Maryland May 2020
Refinance - Silver Spring, Maryland May 2020
"He simply is just great at what he does. He is informative, caring, and eager to assist in making purchasing a home Easy."
Buying - Oxon Hill, Maryland May 2020
"Responsive, knowledgeable, quick, and helpful."
Buying - Alexandria, Virginia June 2020
"We had a fantastic experience with David and Evan (and everyone else at First Home Mortgage)! They explained things in a way that made sense to first-time buyers like ourselves."
Buying - Silver Spring, Maryland June 2020
Buying - Washington, District of Columbia June 2020
"The experience with David was great. He was a very responsive lender who answered immediately to any of our questions and made us feel at ease whenever we had doubts about how the process worked. As first-home buyers, we felt well-represented by David and his team."
Buying - Washington, District of Columbia June 2020
"David was very knowledgeable and helpful throughout the process. He broke down the financial elements into an easy to read and understand excel spreadsheet which made everything easier. He was friendly and overall a great mortgage broker."
Buying - Hyattsville, Maryland June 2020
"Overall I was happy but I have to admit I wasn't happy with the dwindling communication towards the end and the struggle to get a loan estimate for the different properties, which varied significantly in price due to the inventory shortage and swiftness of contracts. The second may be an industry wide issue as I had trouble getting loan estimates from other lenders as well for comparison purposes. Specifically with David's team I had a problem with getting something accurate. For instance when it was known for some time that I had to do FHA, a loan estimate for a new property had Conv terms. Additionally, I actually received worksheets and not estimates. As for communication, emails went unanswered. Because I knew he was busy and my questions weren't urgent, preferred email over calling. As we approached closing, he communicated with my agent but not with me. I never received notification of loan approval. I was told by my agent he sent a letter, that I did not receive."
Buying - Accokeek, Maryland June 2020
"Evan Hesekiel was super helpful and communicated timely. "
Buying - Washington, District of Columbia July 2020
"David and his staff provide excellent customer service, whenever I call they always answer my calls and they are very knowledgeable."
Refinance - Hyattsville, Maryland July 2020
"He was very attentive, helpful and professional."
Buying - Washington, District of Columbia July 2020
"I couldn't have done this without David and his team. They were always so helpful and available to discuss whatever questions I had. They went above and beyond to get me the best rate. When I started this process I was terrified because it always seemed so hard but it was SO EASY with them! Thank you David and team!!"
Buying - Washington, District of Columbia July 2020
"Great, very responsive and professional!"
Refinance - College Park, Maryland July 2020
"Great service. Second time working with David and his team and it was excellent."
Refinance - Manassas, Virginia July 2020
Buying - Washington, District of Columbia July 2020
"David and his team were very fair to work with. "
Buying - Washington, District of Columbia July 2020
"David Shlomo Toaff was incredibly professional, fast, personable and willing to work with us to find our dream home. He made sure to go the extra mile in assisting us. Any time my partner and I had a question, David was quick with a response. His personalized customer service made the home buying experience from beginning to the end absolutely seamless. We even closed in less than a month! Truly a phenomenal professional! I couldn't recommend him enough!"
Buying - Washington, District of Columbia July 2020
"David is fantastic! Very responsive and works quickly, efficiently and trying to provide the best arrangement for the clients needs. "
Buying - Washington, District of Columbia August 2020
"Fantastic to work with, this was our second time working with them and we cannot recommend them enough."
Refinance - Washington, District of Columbia August 2020
"The team was knowledgeable, patient, educative and all along a great resource during this journey. "
Buying - District Heights, Maryland August 2020
"David and his team were great. David was very helpful when it came to answering questions and explaining everything that needed to be done as a 1st time homebuyer. "
Buying - Washington, District of Columbia August 2020
"Expeditious and answered all our question "
Buying - Washington, District of Columbia August 2020
Buying - Washington, District of Columbia August 2020
"David is very busy but responds when he can. He offered to extend my rate lock which in the end we needed but we had delays in my closing that we were unaware of the reasoning and root cause for at least a week which was incredibly frustrating. The team worked to correct everything but the delay and anxiety created was unpleasant. "
Buying - Washington, District of Columbia August 2020
"His high level of responsiveness is outstanding. "
Buying - Annapolis, MD-Maryland September 2020
"Very responsive and helpful"
Buying - Alexandria, Virginia September 2020
"It was a painless process much smoother than what we had expected. David was always accessible and helped to quip any uncertainties we may have had."
Buying - Laurel, Maryland September 2020
Buying - Washington, District of Columbia September 2020
"it was great! David was very knowledgeable and helpful. "
Buying - Gaithersburg, Maryland September 2020
"My experience was fantastic. David and his teamm were fast reliable and got the job down without a hitch. They were proffesional and very quick to answer any questions."
Buying - Alexandria, Virginia September 2020
"I can't say enough good things about working with David and his team - they are absolute miracle workers. The loan and interest rate they pulled off for me is nothing short of incredible. As a first time homebuyer, I had a lot of questions and nerves about the process, but David made the whole thing virtually painless. He was also so patient with working through my particularly unique set of financial circumstances, which I assumed would constrain my loan eligibility. Instead, David secured me a loan more than 1.5x higher (!) than I had originally expected. The only hiccups in the entire process were my own fault and even then David and his team were so understanding and efficient at getting things back on track. Five stars!"
Buying - Washington, District of Columbia September 2020
"David was great and helped me close on my new condo in 30 days. He and his office were always fast to respond. "
Buying - Arlington, Virginia October 2020
"Very responsive, thorough, and explained the process very well and answered all my questions. David and his team helped me to analyze the best decision for my home purchase. "
Buying - Alexandria, Virginia October 2020
"Super friendly, responsive, and informative. "
Buying - Washington, District of Columbia October 2020
Buying - Washington, District of Columbia September 2020
"David, where can we start. He's an expert in his field, a man of his word, experienced, knowledgeable, and very patient with us. He worked with us tirelessly until our dream became a reality. Even until the last minutes of closing, David was still making sure all the T's were crossed and all the i's dotted. We love him so much and will highly recommend him to anyone that's in need of buying a home. May God abundantly bless David for all he did for us. "
Buying - Washington, District of Columbia October 2020
"David and his team did an excellent job for us and provided world class service. Thanks to him, we have a better rate and are saving a substantial amount on our monthly payment."
Refinance - Rosedale, Maryland October 2020
Buying - Rockville, Maryland November 2020
"He is very helpful and expedient. "
Refinance - Washington, District of Columbia November 2020
"It has made possible because of David to make our dream true. Outstanding support."
Buying - Gaithersburg, Maryland November 2020
Refinance - Washington, District of Columbia November 2020
"David was knowledgeable and relayed that information to me. His responses to my questions and concerns were prompt. David and team kept in constant contact with me throughout the process and made an otherwise nerve racking experience rather pleasant."
Buying - Washington, District of Columbia November 2020
"This was my third time working with 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."
Refinance - Washington, District of Columbia November 2020
"David made the mortgage process easy and was able to provide a loan that met my needs. I would definitely recommend him to any first time buyers"
Buying - Rockville, Maryland December 2020
"David is very knowledgeable, diligent, friendly, and responded to all of my multiple requests. He actually cares about the borrowers. "
Buying - Gaithersburg, Maryland December 2020
"David was professional, responsive, patient and went above and beyond for us! "
Buying - Lanham, Maryland December 2020
"If I could give David more than 5 stars, I would. He is an absolute professional, and truly the start of our home buying process. He helped us with every aspect of the home buying process, was savvy with crafting competitive offers with our financing, and was available 24/7 to assist us. We switched to First Home from another lender solely because of David, we had a good offer with the other lender too. I would recommend David to anyone and everyone. "
Buying - Severn, Maryland December 2020
"David was so great with guiding me through the process of financing my first home! Thanks so much to David for answering all my questions and looking out for my best interests!"
Buying - Washington, District of Columbia January 2021
"David was responsive, caring and hardworking. I trusted him throughout the entire process and am so appreciative that I got to work with him. 10/10 would recommend him to anyone! "
Buying - Washington, District of Columbia January 2021
"He made the process of purchasing a home as seamless as posssible! Excellent communication by him and his team! I'm thankful for their service, professionalism, and dedication. "
Buying - Alexandria, Virginia January 2021
"David is very responsive and professional. He goes above and beyond of what one would expect from a Finance Officer. I would definitely use David in the future as well."
Refinance - Alexandria, Virginia January 2021
"David was professional, approachable, and quick to respond to all inquiries. I thought the whole team did a great job! "
Refinance - Crofton, Maryland January 2021
"Excellent. This is our 2nd transaction with David. We won't go anywhere else! "
Refinance - Wheaton, Maryland January 2021
"David was very responsive and made the mortgage/refinance process easy to understand and stress-free. "
Refinance - Montgomery Village, Maryland January 2021
"David and his team made our first home purchase easy! From pre-approval through closing, they held our hand every step of the way. Thank you!"
Buying - Washington, District of Columbia February 2021
"David has always been a pleasure to work with. Really knows his stuff and very responsive."
Refinance - Silver Spring, Maryland February 2021
Buying - Indian Head, Maryland March 2021
"David has consistently looks out for us and has provided the best information and solid advice in a timely manner in our financial endeavors. We feel taken care of every time we work with David as we continue to see we made the right decisions. Rest assured we will continue to seek David's advice and services, no doubt about that. "
Refinance - Washington, District of Columbia March 2021
"We used David to finance our initial purchase of our house and have used him and his team for two subsequent refinances. He has never been anything but efficient, communicative, and an all around rock-star. I recommend him to all of my friends and family."
Refinance - Kensington, Maryland March 2021
"David was fantastic to work with and overall he has been an absolutely top notch, extremely skilled professional. He has been stable, informed, and an complete joy to work with. I would recommend him without reservation"
Refinance - Washington, District of Columbia March 2021
"This is the second time we've worked with Dave and he has been fantastic both times. On our refinance he worked to get us from application to closing within record time. Highly recommended."
Refinance - Rockville, Maryland March 2021
"They were kind and helpful at all hours of the day "
Buying - Montgomery Village, Maryland April 2021
"David was excellent! He explained everything clearly and answered all our questions (which were numerous given our inexperience) and also gave great advice. We would recommend David to anyone. "
Buying - Silver Spring, Maryland April 2021
"David was responsive, and communicative. This was crucial for us in this competitive market."
Buying - Crofton, Maryland April 2021
"It was a pleasure working with David and his team. Everyone was very responsive, even after hours and weekends. To say David went above and beyond are an understatement. Document upload was very easy through their portal as was filling out the required forms. Everything was done online and very convenient. David and his team were prompt in their communication when certain documentation was needed and follow up was excellent. They helped obtain the necessary paperwork for my VA loan and got it done surprisingly fast. I can't stress enough how excellent the communication was through the entire process not only from David but also his team. The loan closed on time and without any issues. I can't thank David and his team enough for their help with my home loan. You can't go wrong working with David."
Buying - Arlington, Virginia April 2021
"David Toaff was very communicative, helpful and collaborative throughout the entire process. I had a slightly difficult closing due to pandemic-related issues unrelated to him nor I- but he went above and beyond in making sure that I felt 100% comfortable with the loan product and process. There were probably 100s of calls that he did not have to dial in for- but he did and I am extremely appreciative. As a first time homebuyer, i would absolutely recommend David and FHM to any of my friends, family or acquaintances. "
Buying - Washington, District of Columbia April 2021
"Very Professional and smooth process"
Refinance - Washington, District of Columbia March 2021
"He is the best and absolute professional. I would proudly refer him to friends and family."
Buying - Alexandria, Virginia March 2021
"David was responsive, Knowledgeable, and supportive throughout the process. This is my third home purchase and the best experience with a lender thus far. David is awesome!!"
Buying - Woodbridge, Virginia March 2021
"Our experience with David went fine. He and his team were professional, courteous and prompt. They were consistent throughout the entire ho.e buying process. "
Buying - Bowie, Maryland May 2021
Buying - Gaithersburg, Maryland May 2021
"David was generally quick to respond and to address something when it arose. However, he didn't do as well when it can to planning and explaining. Unfortunately, David's misunderstanding caused my settlement to be delayed. At the end of everything nothing bad happened but we ended up having to scramble because David didn't adequately explain the timeline and the process. It felt like he was making things up as he was going."
Buying - Washington, District of Columbia May 2021
"This is the second transaction I have done with David and his team. They are always courteous, knowledgeable, and present all the necessary information to make and informed decision. I highly recommend!"
Refinance - Washington, District of Columbia June 2021
"David worked with us to help us through the process. We had a strong and positive connection. "
Refinance - Washington, District of Columbia June 2021
Buying - Washington, District of Columbia June 2021
Refinance - Greenbelt, Maryland June 2021
"Very responsive which made my first home purchase seamless and stress-free!"
Buying - Washington, District of Columbia June 2021
"David was great to work with and very helpful"
Buying - Washington, District of Columbia June 2021
"It was so smooth and they always available to talk when you have questions. And Josh he the MVP! Thanks David and Josh for everything!"
Buying - Oxon Hill, Maryland July 2021
"Very helpful and professional him and his team went the extra mile to come into my first home and a true blessing ðð"
Buying - District Heights, Maryland July 2021
Buying - Alexandria, Virginia July 2021
"I have worked with David for a couple of years now since I started my home buying process. David has been great, always responds to emails or phone calls no matter the day, he even responds when on leave or vacation to let me know someone can assist me. Working with David and his team really made my home buying process less stressful."
Buying - Silver Spring, Maryland August 2021
"I've worked with David on two separate loans: a conventional loan for a condo in DC and a niche loan for a house in VA. Our experience with David for the conventional loan was fine. However our experience with David and Josh on the niche loan was frustrating and nerve-wracking. They were disorganized, unfamiliar with niche loans so often gave misguided information, and didn't communicate clearly. Most frustrating was their customer service and lack of professionalism: when we voiced our frustrations and wished for better communication they came off as defensive or deflected the blame onto other parties. "
Buying - Flint Hill, Virginia September 2021
Buying - Baltimore, Maryland September 2021
"The process went somewhat smooth, but information was not clearly explained during the mortgage estimates. I feel that if we were making a larger purchase we would've received better quality service. "
Buying - Hyattsville, Maryland September 2021
"Great experience we were able to get a great rate and close on our refinance quickly! "
Refinance - Rockville, Maryland October 2021
Buying - Washington, District of Columbia October 2021
"Very patient and takes time to explain. "
Refinance - Wheaton, Maryland October 2021
"David was incredibly responsive and got us approved quickly when another lender was not providing quality service. "
Buying - Olney, Maryland October 2021
"David and his team were great to work with and helped us through our mortgage process. Highly recommended!"
Buying - Springfield, Virginia November 2021
"David and his team provided top tier service during the purchase of my very first home. As a realtor myself, this was by far one of the smoothest transactions I have experienced in my 7 year career. "
Buying - Washington, District of Columbia November 2021
"David was pretty amazing. He and his team helped to guide me through my first home buying experience, were incredibly thorough, attentive, knowledgeable, helpful, and all-around pleasant to work with. Thank you!"
Buying - Washington, District of Columbia December 2021
"David and his team were professional and patient with every question we had. They took time to explain every step including the information we wanted to hear or not. This team is best experience I have had in any financial dealings I have ever gone through."
Buying - Germantown, Maryland December 2021
"David is the best Loan officer I have ever known. This is my third transaction with him (purchase, refinance and refinance). I would highly recommend him. He's very responsive, reliable and does everything to my best interests. "
Refinance - Beltsville, Maryland December 2021
"David was overall good loan officer. He was response to estimate for offers and any questions I had when I was shopping for loans. During the close, he didn't keep us in the loop (myself and real estate agents) about the HOA being unresponsive to documents needed for close, both myself and my realtor asked if everything was in order and he didn't bring it to our attention This led to delay in closing by ten days and additional costs for myself. If landlord wasn't kind off to extend lease last minute I would have been homeless!"
Buying - Alexandria, Virginia December 2021
"Solid advise. Smooth experience. Handled all the details and addressed questions quickly."
Refinance - Sykesville, Maryland December 2021
"Communications were confusing and they have not taken responsibility for a major error in the paperwork."
Refinance - Springfield, Virginia December 2021
"In the fist call, working with David felt rushed, like he didn't have time to answer questions about the process, but after working together through the whole process, David was a great advocate and provided great support."
Buying - Washington, District of Columbia January 2022
"David was responsive, knowledgeable, and super helpful. I was a nervous first-time home buyer and I can't recommend working with David enough. Such a great experience."
Buying - Arlington, Virginia January 2022
"David moved mountains and somehow helped us close in 21 days. It was stressful but David and his team were reassuring they could do it and were always transparent with us about next steps and helped us meet each needed deadline. "
Buying - Silver Spring, Maryland January 2022
"David was great at helping me through some of the uncertainties of being a first time buyer. One thing that stands out to me in particular was an incredibly informative course he sent about what to except as a homeowner. "
Buying - Washington, District of Columbia January 2022
"Great"
Buying - Washington, District of Columbia February 2022
"David and his team are absolutely amazing! This is my second home purchase with him, and he truly went above and beyond. While rates were rapidly increasing, he made sure we locked in with a late late night call. His team was also able to offer a very quick close and it was seamless!"
Buying - Washington, District of Columbia February 2022
"David was very responsive, knowledgeable, and made the process easy."
Buying - Washington, District of Columbia February 2022
"David and his team went above and beyond to help me secure a fairly complicated refinancing for my home, at the most competitive rates on the market. His team was very proactive and stayed in constant communication with me throughout the loan process. I would highly recommend David and his team to anyone looking to finance a mortgage."
Refinance - Occoquan, Virginia February 2022
"First home mortgage took almost two months to process our loan application, from the time we submitted the preapproval paperwork, to closing. This pushed us into the December holidays, making it challenging for us to close, and ultimately requiring us to spend additional money to extend our rates. They were not responsive to my questions, and additional they were not clear about deadlines in terms of when they needed documents back. I would not recommend working with them. "
Refinance - Washington, District of Columbia February 2022
"The team was extremely responsive, supportive, and insightful. They were fast, even when I had questions. The team was a bit more costly than competitors, but I was looking to support local business so I was fine with it."
Buying - Washington, District of Columbia March 2022
"Excellent experience. Second to none! Highly recommended to anyone looking for a mortgage."
Buying - Washington, District of Columbia March 2022
"First rate team. The most important thing from the customer's perspective is communication. David's team kept us updated and were always available for questions and the inevitable hand-holding. Would absolutely recommend"
Buying - Greencastle, Pennsylvania April 2022
"They didn't fully understand the complexity of the VA loan, and my COE, and because of that we're trying to say 6 days before closing I had to bring additional money to the table. When I told them I think their calculation for my COE was off, I was told that their numbers were correct. As the buyer I had to call the VA myself to understand the issue. They as the mortgage company didn't do their research and due diligence to know there was an old property on my COE that they were supposed to ask the VA to remove when they confirmed my addresses weeks prior. Because of that the closing got pushed back 5 days, and was just overall a very stressful experience. If you're a veteran, I would exercise caution. "
Buying - Washington, District of Columbia May 2022
Buying - Washington, District of Columbia August 2022
"David and team were unbelievably quick, professional, and organized. They helped me with a very time sensitive loan application and were an absolute pleasure to work with!"
Buying - Arlington, Virginia August 2022
"He stays on top of his business!"
Refinance - Cocoa, Florida September 2022
Buying - Washington, District of Columbia September 2022
"David and his team were fantastic! Super professionals and helpful during this exacting experience. 100% recommended. I started working with another company and they were not even close as experienced as Home Mortgage and David Toaff."
Buying - Alexandria, Virginia October 2022
"David is a true professional, expert advice, guide us through the process and most importantly he delivered the best product and service."
Buying - Olney, Maryland October 2022
"David was AMAZING!! He was super accessible, very knowledgeable about mortgage products and programs, and provided excellent guidance and education on the home-buying process. The client portal was user-friendly and made the submission of documents quick and efficient. David was literally hands-on throughout every step of the process. He made me feel valued as a customer."
Buying - Upper Marlboro, Maryland November 2022
Buying - Washington, District of Columbia December 2022
"David and his team have been extremely helpful throughout the home buying process. I am a first time homebuyer and recently closed on a house in Florida. Toaff team were always readily available when I had questions, evenings, weekends and even through the holidays. They were patient, explained rates, buy-downs, tactics and were always step-by-step when it was time to put in an offer. I highly recommend Toaff team, they were timely, efficient and able to help close in 22 days!"
Buying - Miami, Florida January 2023
"David and his team were amazing. David was super responsive and his team made sure that my mortgage experience was streamlined and efficient. He made sure that I understood each step of the process and answered all of my questions. I cannot recommend David enough. "
Buying - Fairfax, Virginia January 2023
Buying - Bowie, Maryland March 2023
"David is fantastic ! He made sure everything went as smoothly as possible and followed up with everything/everyone to ensure everything fell into place. "
Buying - Washington, District of Columbia March 2023
"David was friendly and knowledgeable. He and his team were always available to answer questions and walk me through the process as a nervous first-time home buyer."
Buying - Frederick, Maryland April 2023
Buying - Washington, District of Columbia April 2023
"David is incredibly responsive, thoughtful and respectful. I know I can rely on him to help us get a good deal and also to be realistic and set expectations."
Buying - Oakton, Virginia May 2023
"David and his team were magnificent from the start to finish. They stayed up late (past 11PM!) many nights to ensure I met all of my deadlines, answered my questions and did everything they could to get me the best terms possible. I recommend them to all my friends in the market."
Buying - Woodbridge, Virginia May 2023
Buying - Olney, Maryland October 2023
"Great service; great advice; timely closing. Would recommend First Home Mortgage (particularly David and his team) to anyone we come across who are interested in mortgage services"
Buying - Montgomery Village, Maryland June 2023
"I found David and his staff to be very professional and helpful. Someone got back to me immediately whenever I emailed them with a question. David went over clearly what he needed, and did the math to see if points would be beneficial for me"
Buying - Silver Spring, Maryland June 2023
"David and his team were beyond helpful. They were very flexible and answered every and all our questions."
Buying - Burtonsville, Maryland June 2023
"David went the extra mile to ensure we received the information and service concerning our loan. He promptly responded to any questions we had and put us at ease."
Buying - Germantown, Maryland September 2023
Buying - Washington, District of Columbia September 2023
"David was incredible to work with! He was very responsive, kept me informed every step of the way, and worked very hard to get the condo approved for the mortgage. First Home's strict policy about the condo requirements almost made the mortgage/contract fall apart, which was challenging. Aside from that, it was great - everyone I interacted with was very helpful, it was easy to find information I needed, the referred contacts were all superb, and the process was very well-organized. I would (and will) highly recommend David and First Home to other buyers."
Buying - Washington, District of Columbia October 2023
"David was very helpful and had answered all my questions in a timely way. Was a pleasure work with him"
Buying - Baltimore, Maryland October 2023
"I've now worked with David and his team twice on purchasing properties initially as a first time home buyer and a second time as a first time seller (and buying a new property with the proceeds). Both times were great experiences thanks to David and his team. David goes the extra mile to ensure that you are getting the best setup possible and is quick to notify you of any issues or revelations related to your loan process. He is always there to help or answer questions and his team are quick to respond so that you can make a decision on potential properties in a fast market. "
Buying - Alexandria, Virginia March 2024
"So wonderful working with David! Made the whole experience very easy"
Buying - Temple Hills, Maryland March 2024
"The service I got from David is very excellent .Daved and his team are very well organized and easy to reach if there is any question.Word can't express enough how I was happy throughout the home buying process I definitely recommend team David any one has a plan to buy house."
Buying - Bethesda, Maryland August 2024
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