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Todd Pede

Loan Officer

NMLS #846737

Office Address

2101 Gaither Road
Suite 280
Rockville, MD 20850


Todd is a local loan officer serving the entire DC metro area. He joined First Home Mortgage back in 2011, since he started Todd has been a member of the company Leader’s Club, as well as consistently recognized as a top 1% mortgage originator nationwide.

His goal is to simplify a complicated process in order to give his clients the best experience possible when purchasing a new home, or refinancing a current one. With in-house processing and underwriting, direct lending, and a streamlined appraisal process, First Home Mortgage gives Todd and his team all the tools needed to ensure his clients have the most competitive offer in any home buying market.

Todd, a Buffalo, NY native, moved to the DC area in 2006. When he’s not helping clients with their mortgage needs, you can find him prepping for his next marathon or triathlon race. Todd currently lives in Olney, MD with his wife and their two children.

Licensed in: DC (MLO846737), Maryland (26-21156), Virginia (MLO-10267VA)

Amazing! I was most impressed with Todd’s responsiveness. He was available at a moment’s notice to help me through the buying process. Todd balances professionalism with his personable approach. I WILL be recommending him to a friend who is just starting her home search and I am confident he will be able to answer all her questions.

J. S.

I was a first-time home buyer, and I feel very lucky to have worked with Todd to do it. He was responsive and patient through a very complex mortgage process, and I ended up with a good rate. I’d definitely recommend him as a loan officer.

Matthew M.

We highly recommend Todd Pede as a loan officer. Not only did he provide us excellent service for the purchase of our home, he also contacted us when rates dropped and made us a great deal on a refi that ended up saving us a lot of money on our monthly payment! He’s quick, flexible and very helpful to anyone navigating home purchasing for the first time or as a veteran home owner. We’ll definitely use him again!

Erica S.

In addition to receiving previous excellent ratings, First Home Mortgage was also an approved lender for a DC government program I was interested in, and Todd’s office is really conveniently located in downtown DC. For our first meeting, Todd was extremely accommodating of my schedule and met with me on short notice and one evening after work. Despite it being late, he took the time to go through an expense worksheet with me line by line to make sure I understood all the expenses involved in purchasing a home, which I really appreciated as a first time home buyer. Once I found a property, Todd acted very quickly, locked me in to a great rate, and then was very thorough throughout the rest of the process. He sent me an email each time he processed another part of the loan application, clearly explaining what he was doing and why it was necessary. The loan processor he works with, Darline, was also extremely responsive, professional and helpful. Together, Todd and Darline made what can be an extremely stressful process relatively easy. I have already recommended Todd and First Home Mortgage to friends looking to buy or refinance and will continue to do so

Rebecca D.

Over the last two years, I’ve had the opportunity to close several deals with Todd. Without exception he exceeded my client’s expectations. He’s extremely dedicated to his clients and ensuring a seamless transaction. In this business, it’s important to keep lines of communication open, and Todd’s on top of all pertinent deadlines and is in regular communication with his clients and the realtors representing those buyers. Moreover, he’s equipped with several products that are often better than others in the market and is always up-to-date on trends and other industry developments. I’ve been lagging in getting this recommendation up, but was reminded last night around 11pm when he was helping out a client of mine, that I really owed him. That level of accessibility and dedication is something rare in this business and I’m happy to have him on my clients’ side. If you’re looking for a good loan officer that’s value added and not transactional based, look no further.

Justin P. Realtor

Todd was great to work with! He was recommended to us by our realtor, who had worked with him previously and had glowing things to say about him. It was our first condo purchase, so we had a lot of questions and worries, and we were very happy to be working with a loan officer who patiently walked us through everything as we learned. The whole financing process went very smoothly. Todd was pleasant, efficient, and thorough, as well as extremely responsive and helpful when we had questions. I’d recommend him highly!

Elizabeth L.

Todd is one of those rare people I would recommend to anyone with absolutely no hesitation. I needed a loan with just two weeks to close and he made it happen flawlessly. He patiently explained all of my options during our initial call, and his responsiveness throughout the process was impeccable. It’s truly refreshing to know there are still service providers out there willing to do the best possible job for a client. I would definitely seek Todd out for my next mortgage.

Brian W.

I couldn’t speak more highly of Todd. As a first time home buyer, I couldn’t have asked for anyone better. Todd went out of his way to explain the process and my options; he always got right back to me with my (many) questions. Todd was transparent from the get-go regarding fees and costs. What he tells you up front will be what you get at the closing table. No surprises. I would recommend Todd to anyone and will absolutely use him again.

Taylor L.

Todd was recommended to us by our Realtor and we could not have been happier. We made several offers that were not accepted but each time Todd enthusiastically prepared our documents or answered our last minute questions. I specifically remember him traveling over a holiday weekend to see family but still sending emails at 3 am to make sure we were prepared to make a solid offer the next day. He is incredibly knowledgeable about the business and is willing to offer real advice. I recommend him to everyone I know looking to buy a property. I also want to point out that he had me ready to close in 2 weeks with a VA loan! Todd is an excellent communicator, I could always get a hold of him when I needed to and he always returned my emails or phone calls in a reasonable time. If you want a reliable and honest down to earth loan officer, Todd is your guy

Ida T.

I can’t say enough about Todd and what he is willing to do to help his customers and to deliver outstanding service. My closing had to be changed from a Friday to a Monday because I had an unexpected work trip to Haiti and despite having little ability to communicate with me while I was there, Todd still managed to get everything done on time so all was effortless when I returned. He also called me while I was on the runway at DCA to tell me that my loan had been approved. I also admire how Todd took an interest in the work that I do (especially in Haiti). I would absolutely recommend Todd. He takes his work, and your future, very personally.

Roger L.

Our offer for a house was accepted with the condition that we’d close in 3 weeks. Todd Pede literally worked night and day getting the mountains of paperwork to us so we could close in time. We were first time homebuyers and he was patient with us and all our questions. It was a great pleasure to work with him. Highly recommended.

Jon B.

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