David Toaff – First Home Mortgage

David is extremely responsive, understanding, courteous, transparent, patient, and pleasant. He was very proactive and guided me through the daunting mortgage process as a first time home buyer.
I shopped around for mortgage folks and I decided to go with David because he was so much more responsive than the others and was able to match another lender’s offer. His responsiveness was especially impressive because my mortgage was on the smaller side for the DC market.
I felt very taken care of during the entire process — we probably talked on the phone at least 20 times. He often would immediately respond to my emails sent at midnight and 5 am (sometimes on the same day!).
David also respected my no credit besides mortgage stance (I’m a Dave Ramsey fan) and provided me with information without pressuring me into changing my financial values.

David is a tireless worker with a passion for client satisfaction. While working with my client, David was very responsive and answered my questions in a timely manner. I look forward to working with David in the future, and consider him a reliable source for my clients’ mortgage needs.

We (recently married couple, 1^st time home buyers) were referred to David and were extremely satisfied with his work through all steps of the process in securing a home mortgage. Our home search was over a year long process with lots of ups and downs. A few multiple bid scenarios where we lost and one under contract where we got out after the home inspection. At all times he was very quick to respond to our inquiries and provide prompt estimates and cost breakdowns whenever asked (even for properties where we ended up not even making an offer). Once under contract on the house we finally closed on, his team was all very helpful in assisting with all the additional steps to get to closing. We ever went more than 24 hours without receiving a response to any inquiry… most were within a few hours (including weekends and nights). David was very patient with us and we never felt pressured. Even though handling the rest of his client load, he always was on point with us and gave us his undivided attention. We admittedly were very selective, and some might say demanding, in our home search and he stuck by our side to make the financing happen. He also surprised us by dropping in at the closing to say hi which we thought a real class act. Without any hesitation, we would highly recommend working with him in your home buying process.

David expertly shepherded us through our first home buying experience. His patience and attentiveness were exactly what we needed during this confusing process. Before we even got to settlement, we had become friends and that is not at all what I expected from a mortgage lender. David is competent, kind, and dedicated to his clients.
If you are the type of person that values personal attention and a sincere relationship when doing business, David is your man!

David is one of the hardest workers I know and that transfers to his around the clock service for his clients. Though there are many loan officers in the area, I have yet to come across one that cares more about helping his clients (no matter how many hurdles there are). I feel lucky to have been introduced to him because I know that when I send my clients to him, they are well taken care of.

David is conscientious, well-​informed and accessible — everything you would want in someone helping you with what is likely to be one of your largest purchases. The sellers of the home I purchased wanted to close quickly, and with David’s help, I sailed through the process with no hiccups. Highly recommend!

Working with David has been a dream, especially since I am a first-​time homebuyer. I plan to use the Maryland Mortgage program and its down payment assistance, and David is very knowledgable about that product, and provides great advice. He gets offer letters over in a matter of minutes from our request, and is meticulous about everything. I’m definitely in good hands with David.

I highly recommend Mr. David Toaff for your mortgage needs. Recently I accepted a new position requiring me to move from out of state to the DC area. I initially planned on renting and then based on a recommendation from some people, they told me about David and how easy he made getting a mortgage and being able to buy, so I started thinking. I began the pre-​approval process about a month and a half before I actually moved. Then my first day here, I met with a realtor, had the preapproval amount, and we went looking for a place. That day I found my house, and was able to make an offer. David followed up every step of the way, There were some «hitches» not from his side but he did his best and from the time I moved here till I closed was six weeks. With all the paper work (killed many a tree) he walked me through it and I felt confidant I was going in the right direction. Returns calls asap, emails asap and I think he might not sleep. Again, highly recommend this professional.
Michele Marsden

If there was a negative about this man it would only be his headshot.
David is an overachiever in every sense of the word. He’s aggressive and attentive, the perfect combination that you would want on your team. He is the first one in his office and the last one to leave and that’s exactly who you want representing you. You only have so many choices in loan officers so make the right one and get David on your team!

David is great help and always available! He sure gets the job done and knows what he is doing, even if your client is not ready at the moment he will guide them through the steps needed to be ready in the future. i highly recommend working with David!

David is a class act. He follows through more than most lenders do. In cases of a difficult transaction, David knows how to close the deal. The communication is prominent and the results are a very smooth settlement. One down and many more to go with this guy!

David was extremely helpful, has a wealth of knowledge and was extremely responsive to all my questions. He made my experience of buying a home for the first time not as scary as i thought it would be. I recommend him wholeheartedly!

Davis was a pleasure to work with! He was referred to me by my realtor, Craig McCullough, and from the moment I contacted him was very responsive. As a first time home buyer I didn’t understood all the process for obtaining mortgage loan and the different options that were available to me. He was very helpful in advising me about the different options and the pros/​cons of all them. I can’t stress enough how communicative he was throughout the whole process, he would quickly update me on the latest interest rate developments, he would quickly run some numbers when I had a request, and he was fast on requesting/​providing necessary documentation. The process was a very smooth one, I felt that I could trust him throughout the whole process and I know that a lot of it was because his professionalism. I will recommend him to friends and collogues.

David has done loans for multiple clients of mine and never misses a beat. He goes above and beyond, making sure to communicate loan status and needs and that the borrower is completely informed and on top of things. My clients love him, great guy and great lender!

David has done many loans for my clients. He is very detailed oriented and communicates very effectively with the buyers. Recently; he even went to a clients home and spent several house helping her compile the documentation required.
He does a really great job.

David has helped several of my clients and has been awesome to work with! He is very knowledgeable and responsive to all of my client’s needs. He definitely goes above and beyond. He genuinely cares for everybody he helps. If you want an extremely honest, hard-​working, and personable loan officer then look no further. I highly recommend him.

David is a truly exceptional loan officer, combining expertise and professionalism with a a wonderful personality. David helped me with my second home loan (but my first in over 10 years). David is unusually responsive and goes above and beyond for his clients, providing the best service (and rates!) possible. I highly recommend him (and his colleagues, who are equally competent and efficient) to anyone, but in particular to first-​time homebuyers, as he is patient and personable without being pushy.