David Toaff

David Toaff

David Toaff is widely recognized as a top performer in the U.S. residential mortgage banking industry, having consistently ruffled among the national elites. Born in Philadelphia, PA, and raised in several cities, he embodies a blend of dynamic energy and compassionate character that inspires those who cross his path.

Over the years, David has lived in places like New York City, Winter Park, Florida, and Washington, DC, and currently resides in N Bethesda, Maryland. He earned a Bachelor’s degree in Economics from the University of Maryland. Beyond his professional endeavors, he had an exciting stint as a competitive breakdancer and a lifelong love for spicy food, travel, tropical spots, live music, fitness, and cooking.

Remarkable achievements have marked his career in mortgage banking. As a Sr. Loan Officer and Sales Manager in Residential Mortgage banking, he consistently ranked in the top 1% of loan officers in the U.S. from 2016 to 2023. Furthermore, he was named among the Top 500 Loan Officers in the United States in 2017 and 2018, as per Scotsman Guide. His exceptional performance led him to receive the Elite 8 Award from 2018 through 2021, a distinction given by First Home Mortgage. His consistent performances enabled him to join the Leaders Club from 2016 to 2023.

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 [email protected] to set up a secure consultation today!

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