David Toaff

David Toaff

David Toaff stands out as a distinguished figure in the U.S. residential mortgage banking sector, achieving unparalleled success and earning his place among the industry’s luminaries. His journey began in the historic city of Philadelphia, PA, and his life story is a rich tapestry woven from his experiences in diverse locales, including New York City, Winter Park, Florida, and Washington, DC. Currently, he calls N Bethesda, Maryland, his home, further enriching his multifaceted personal and professional life.

David’s educational path led him to the University of Maryland, where he earned a degree in Economics, laying the groundwork for his illustrious career. Outside the realm of mortgage banking, he has engaged in a myriad of activities that reflect his vibrant and empathetic nature. His adventures range from the electric energy of competitive breakdancing to a pronounced affection for the heat of spicy cuisine, the allure of travel to tropical destinations, the joy of live music, and a commitment to staying active and culinary exploration.

In the realm of mortgage banking, his career has been nothing short of extraordinary. Serving as a Senior Loan Officer and Sales Manager, he has consistently ranked in the top 1% of loan officers nationwide from 2016 to 2023. Recognition from the Scotsman Guide as one of the Top 500 Loan Officers in the United States for 2017 and 2018, alongside the Elite 8 Award from First Home Mortgage between 2018 and 2021, underscores his remarkable contributions to the field. His steadfast excellence also earned him membership in the Leaders Club annually from 2016 to 2023.

Toaff’s passion for breakdancing ignited at the age of 14, inspired by the spirited performances of young dancers outside Penn Station in NYC. This art form became a vital outlet for him, embodying the essence of fun, sociability, and creative expression without the constraints of right or wrong.

Philanthropy is a cornerstone of his character, demonstrated through his enduring support for causes close to his heart. Since 2014, he has been a staunch supporter of the Beit Elazraki Children’s Orphanage in Israel, expanding his philanthropic efforts to include the Wounded Warriors since 2016 and Magen David Adom in 2017. His volunteer work has enriched organizations such as The Salvation Army in Washington, DC, in 2019 and, more recently, Manna Food Bank in 2023. His philanthropic journey began at the tender age of 16, showcasing his deep-rooted commitment to aiding those in need.

David Toaff Maryland’s life and career encapsulate a journey of professional excellence, creative passion, and a profound commitment to making a difference in the lives of others. His story is a testament to the power of determination, versatility, and the enduring impact of compassionate action.

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