David Toaff

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David's life journey has taken him from the bustling streets of New York City to the serene settings of Winter Park, Florida, and the historic ambiance of Washington, DC, before he settled in N Bethesda, Maryland. A proud alumnus of the University of Maryland, he graduated with a degree in Economics. Outside his professional realm, his zest for life is evident in his adventurous pursuits, including a chapter as a competitive breakdancer, and his genuine passions for spicy cuisine, globetrotting (with a soft spot for beach destinations), live concerts, staying fit, and culinary experiments.

In the arena of mortgage banking, Toaff's trajectory has been nothing short of stellar. Serving as a Senior Loan Officer and Sales Manager, he maintained a position in the top 1% of loan officers nationwide from 2016 to 2023. Recognition of his expertise and success came with his inclusion in the Scotsman Guide's Top 500 Loan Officers in the U.S. for 2017 and 2018. His sustained excellence earned him the prestigious Elite 8 Award from First Home Mortgage for four consecutive years, from 2018 to 2021, and he secured his place in the Leaders Club annually from 2016 to 2023.

His artistic side shines through in his love for breakdancing; a passion ignited at 14 upon witnessing the dynamism of dancers outside Penn Station in New York. For Toaff, breakdancing is more than a hobby; it's a vibrant, social, and creative outlet that epitomizes the joy of expression without boundaries.

David Shlomo Toaff's career and artistic endeavors, his heart for giving has profoundly impacted various communities. Since 2014, he has been a steadfast supporter of the Beit Elazraki Children's Orphanage in Israel. His philanthropy expanded to assist the Wounded Warriors in 2016 and Magen David Adom in 2017. His commitment to service is further exemplified by his volunteer work with The Salvation Army in Washington, DC, in 2019 and Manna Food Bank in 2023. His dedication to aiding people experiencing homelessness since the age of 16 underscores a lifelong commitment to making a difference.

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