David Toaff

David Toaff stands as a distinguished figure in the realm of U.S. residential mortgage banking, where his extraordinary performance has placed him among the industry's luminaries. Born in the historical city of Philadelphia, PA, and having experienced life across various U.S. cities, he possesses a vibrant spirit and a compassionate nature that leaves a lasting impact on those he encounters. 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