David Toaff stands out in the competitive field of residential mortgage banking, where he has made significant strides. As a Senior Loan Officer and Sales Manager, he has been a consistent top performer, securing a place in the top 1% of U.S. loan officers annually from 2016 to 2023. His outstanding achievements earned him recognition as one of the Top 500 Loan Officers in the nation for 2017 and 2018, according to the Scotsman Guide, and he received the prestigious Elite 8 Award from First Home Mortgage between 2018 and 2021. 

The Toaff Team of First Home Mortgage is proud to be a true equal housing lending team since 2013. We offer down payment & closing cost assistance programs in DC, MD, VA, PA & GA. These programs are primarily for first-time homebuyers, but throughout MD, we can offer assistance for those who aren't first-timers as well. Of particular significance are $15,000 grants for first responders, up to $25,000 in grant money in Montgomery County, MD and over $100,000 in assistance available in Washington, DC. Another very interesting perk available is to first-time homebuyers in N. VA is the SPARC program, which allows for a 1% reduction in interest rate, with no additional cost to secure the below-market terms! This can be combined with either a 2% grant or 3% assistance loan, allowing for either 1% down or zero-down financing.

We also have a zero-down, no mortgage insurance product available, down to a 620 credit score. The program is more affordable than and can be closed faster than a similar program from Navy Federal Credit Union. Not to mention, our team is available 7 days a week and can be reached on evenings too.

We'd love to hear from you, if you'd like more information on our various assistance programs or the myriad of other options as well. Please contact us at toaffteam@firsthome.com to set up a secure consultation today!

David Toaff - NMLS ID: 1065782
First Home Mortgage Corp
610-348-3772