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David Toaff

Loan Officer

NMLS #1065782

Office Address

7910 Woodmont Ave.
Landow Building, Suite 1330
Bethesda, MD 20814


David is a highly ambitious, thorough, and responsive Loan Officer working out of the Bethesda office. He lives in Dupont Circle where he also often meets clients. He builds a personal relationship with his clients and referral partners and he is more than willing to explain anything that they are interested in knowing. He makes himself readily available seven days a week, including evenings and weekends. Customer service is a top priority for him and it is highly apparent to his clients.

David is licensed in DC, Maryland, Pennsylvania, and Virginia and is often on the road as he’s glad to travel for business purposes. With the help of a fantastic assistant, processor, and the various departments at First Home Mortgage, David guarantees his clients and business partners will be more than satisfied. He also does a lot in the way of marketing for those he does business with and also regularly teaches seminars on local loan programs. He can be reached on his cell phone at 610-348-3772.

Licensed in: DC (MLO1065782), Maryland (26-24401), Pennsylvania (62292), Virginia (MLO-15605VA)

I recently used First Home Mortgage for my home loan and it was a great experience. David was professional, timely, and very helpful during the entire loan process. The property that I was interested in was not VA approved so I was going to use a DC home buying program called DC Opens Doors for a conventional loan. First Home Mortgage was one of the lenders approved to work with the DC government for this program and this is how I met David. He looked at my numbers and suggested I not use the program since he could get me a better rate with a faster approval turnaround. David was able to produce a pre-approval letter within an hour so I could make the offer ASAP. I recommend First Home Mortgage, and David Toaff specifically, for your lending needs. He was a valuable piece of my home buying experience.

Susan K., Washington, DC

I just closed on my first home, a one-bedroom condo, with David as my loan officer and I recommend him without reservation. From the first day I reached out to him he has been diligent, responsive, patient and supportive throughout the whole process, without at all being pushy or aggressive, as some others in the industry are. Every time I asked him to run through some numbers on a property he would respond literally within a half hour, and often within 10 minutes. He came out to my apt personally from Bethesda to DC just to pick up a document for my convenience. He is very hard working, and he will be at the top of my list for friends who ask my advice for a loan originator. I have already sent one friend of mine his way.

Josh M., Washington, DC

As a first-time homebuyer, I can’t thank David enough for his assistance throughout the entire process. He was responsive, helpful, honest, efficient, friendly, patient, and professional. He helped make a somewhat scary process seem much more manageable, and I’m forever grateful to him for that! I was most impressed by how quickly he responded to any inquiry I had, and how he was so “on the ball’ with foreshadowing the next steps of the process and always letting me know what to expect in advance. David also works with a great team, so I am grateful to the others in his office who helped me (including Mitch and Danielle). I highly recommend David Toaff to anyone who is considering purchasing their next home.

Kevin M., Silver Spring, MD

David is one of the most amazing loan officers I’ve ever worked with! He is extremely responsive to all our requests and questions at all times of the day including weekends. He is very diligent and responsive and has helped us many times to submit contracts with short notice. He will find the best deals to suit each one of our clients based on their personal needs and finances. He has a very pleasant personality that puts the clients at ease. He takes the time to explain all the loan products to our clients so our clients can make the most informed decision. For anyone looking for a loan officer, you will not be disappointed going with David Toaff!

Jessica and Kanch Real Estate Team Coldwell Banker - Washington, DC

I have developed close relationships with lenders over time but recently met David and was impressed by his burning desire to be a successful loan officer & his knowledge of the mortgage business. Everyone needs “a chance” so I gave him a loan. He did an outstanding job. Followed through on every detail & had full loan approval in a very short time. Since then he has completed more transactions for me and all my clients were equally impressed. People tend to go with either a beginner or a winner, with David you have both!

Rob Ramoy, Rob Ramoy & Associates

David has done loans for multiple clients of mine and never misses a beat. He goes above and beyond, making sure to communicate loan status and needs and that the borrower is completely informed and on top of things. My clients love him, great guy and great loan officer!

Denny H., Washington, DC

David was extremely helpful, has a wealth of knowledge and was extremely responsive to all my questions. He made my experience of buying a home for the first time not as scary as I thought it would be. I recommend him wholeheartedly!

Keith C., Washington, DC

David was a pleasure to work with! As a first time home buyer I didn’t understand all the process for obtaining mortgage loan and the different options that were available to me. He was very helpful in advising me about the different options and the pros/cons of all them. I can’t stress enough how communicative he was throughout the whole process. He would quickly update me on the latest interest rate developments, he would quickly run numbers when I had a request, and he was fast on requesting/providing necessary documentation. The process was a very smooth one, I felt that I could trust him throughout the whole process and I know that a lot of it was because of his professionalism. I will recommend him to friends and colleagues.

Ale F., Washington, DC

David is a class act. He follows through more than most loan officers do. In cases of a difficult transaction, David knows how to close the deal. The communication is prominent and the results are a very smooth settlement. One down and many more to go with this guy!

Mark R., Washington, DC

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