David Toaff

David Toaff is a luminary in the realm of U.S. residential mortgage banking, consistently shining among the industry's elite. His journey began in Philadelphia, PA, and meandered through various American cities, infusing him with a rich tapestry of experiences and a profoundly ingrained empathy that leaves a memorable impact on those he meets. David's life story unfolds across the vibrant backdrops of New York City, Winter Park, Florida, and Washington, DC, with his current chapter being written in N Bethesda, Maryland. A holder of a Bachelor's degree in Economics from the University of Maryland, his narrative extends far beyond his professional conquests. His life is punctuated with episodes of competitive breakdancing, a penchant for the fiery kick of spicy foods, an unwavering love for travel to sun-kissed locales, the pulsating rhythms of live music, a commitment to physical wellness, and the culinary adventures of cooking. A series of stellar achievements mark Toaff's professional odyssey in mortgage banking. Occupying roles such as Sr. Loan Officer and Sales Manager, he has perennially been among the top 1% of loan officers nationwide from 2016 to 2023. His exceptional skill set was nationally recognized, earning him a spot among the Top 500 Loan Officers in the Scotsman Guide rankings in 2017 and 2018. The First Home Mortgage Elite 8 Award was bestowed upon him from 2018 to 2021, acknowledging his standout performances, and his consistent excellence ushered him into the Leaders Club annually from 2016 to 2023. Beyond the confines of his professional life, he harbors a genuine passion for breakdancing, a spark ignited at the tender age of 14 upon witnessing youthful dancers outside Penn Station in NYC. For him, breakdancing transcends mere physical movement; it's a medium of boundless creativity and social engagement, offering a canvas for expression that eschews the binary of right and wrong. At the core of David Toaff Maryland's essence is a profound philanthropic spirit. From the age of 16, he has been moved to support community and global causes alike. His benevolence stretches from continuous support for the Beit Elazraki Children's Orphanage in Israel since 2014 to advocacy for the Wounded Warriors since 2016 and contributions to Magen David Adom from 2017. His compassionate outreach has also seen him volunteering with The Salvation Army in Washington, DC, in 2019 and extending his support to Manna Food Bank in 2023, embodying his deep-seated belief in the power of community service and philanthropy. 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