David Toaff's journey in mortgage banking stands out as a story of exceptional commitment and success. As a Senior Loan Officer and Sales Manager specializing in Residential Mortgage Banking, his extraordinary abilities placed him among the elite in his field, consistently positioning him in the top 1% of loan officers nationwide from 2016 to 2023. This exceptional performance did not go unnoticed, earning him a spot in the Scotsman Guide's Top 500 Loan Officers in the United States for 2017 and 2018. His dedication and expertise were further recognized with the Elite 8 Award by First Home Mortgage for four consecutive years, from 2018 to 2021. Throughout his career, his excellence in mortgage banking also earned him a lasting place in the Leaders Club from 2016 to 2023.
Beyond David's professional realm, he harbors a deep passion for breakdancing, a hobby that began in his teenage years after witnessing street performers outside Penn Station in New York City. To him, breakdancing is more than a dance form; it's a way of life that embodies creativity, freedom, and social interaction.
Toaff's commitment extends beyond his career and hobbies into the realm of philanthropy. He has shown a persistent dedication to giving back to the community, supporting causes like the Beit Elazraki Children's Orphanage in Israel since 2014. His charitable spirit has also guided him to contribute to the Wounded Warriors Project since 2016 and Magen David Adom since 2017.
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
