I had everything I needed a 60,000-down payment, credit score, and a mortgage certificate. I…read moresacrifice everything and, wait for years to get house of my own. They didn't at all help me. They rejected my application, and said I need another down payment of 60,000. A total of 120000. They crush my dreams and I'm still living in hell.

I always pay my mortgage payment early. Try to do it this month and I couldn't access my online…read moreportal. Contacted customer services and they couldn't access the portal either. Then she found out the online site isn't working. Communication about this would have been great customer service...but I guess once you are a customer customer service goes out the window. Wasted over an hour of my time to pay YOU! Do better.

Brian was fantastic to work with throughout the mortgage process. He was responsive, knowledgeable,…read moreand took the time to explain every step clearly, which made a stressful process feel much more manageable. He shopped options, answered questions quickly, and was always transparent about rates, fees, and what to expect. What stood out most was how professional and steady he was from start to finish. I never felt pressured, and I always felt like he had my best interests in mind. If you're looking for a mortgage broker who is sharp, trustworthy, and easy to work with, I would absolutely recommend Brian.

Over the years, we have worked with Brian on multiple home mortgages. His expertise saved us a lot…read moreof money and helped us get the loans we needed to eventually buy our dream home. He went way beyond our expectations for service and helpfulness throughout the process. He continues to provide excellent counsel as we have investigated refinancing our mortgage and buying a second home. As others have also said, I cannot recommend him highly enough.

Purchasing my first home in Washington, DC was truly a journey, but one that was absolutely worth…read moreit thanks to David Toaff, his team at First Home Mortgage, and my realtor Terinee Bonds. I was originally introduced to David through Emily Atwood back in May 2019. After a minor setback, I was reconnected with him by Mr. Bill Milko in June 2022, and from that point forward the process officially began. From June 29, 2022 to December 11, 2022, this six-month journey taught me patience, discipline, and the importance of having the right people in your corner. At first, I found a condo in Northwest DC that I absolutely loved. The price was around $220,000, which was amazing for DC, but unfortunately FHA would not approve it because the HOA reserves did not meet the required percentage threshold. While it was disappointing at the time, everything happens for a reason because I later found another property for $325,000 that turned out to be the right fit for me. I was also approved for the DC HPAP First-Time Homebuyer Program along with DC Open Doors, which were both incredibly helpful programs for low-to-middle income homebuyers. I highly recommend anyone looking to purchase in DC to explore those opportunities. There were definitely bumps along the way. In August, I had to resolve my 2021 tax bill, which became part of the process. Throughout everything, David remained patient, professional, knowledgeable, and personable. He genuinely cared and always kept my best interest at heart. He also stayed on me about my spending habits, especially my DoorDash spending, making sure I stayed financially on track to successfully close. David also made sure everything was taken care of through his amazing team, Josh and Danielle. They consistently checked in with me through calls and emails at least three times a week, making sure I understood every step of the process. That level of communication and support made a huge difference because buying a home can feel overwhelming, especially as a first-time buyer. They truly walked me through the process from beginning to end and helped make things much less stressful than they could have been. What really stood out to me about David was his personality. He is truly a people person and just an overall down-to-earth guy who genuinely believes in helping people achieve homeownership. You can tell this is more than just business for him. He wants to see people succeed and become homeowners, especially those who may not think it's possible for them. That kind of authenticity matters during a major life decision like buying a home. Terinee Bonds, who I originally met through Redfin in 2019 and who is now with Keller Williams, was equally amazing. She consistently checked in, advocated for me, and helped guide me through every obstacle that came up along the way. Like David, she was personable, caring, patient, and truly invested in helping me succeed throughout the process. In the end, I only had to bring about $3,250 to closing, and I also received seller credits, which made a huge difference. I am beyond grateful for David, Josh, Danielle, and Terinee. I highly recommend First Home Mortgage and Terinee Bonds to anyone looking to purchase a home, especially first-time homebuyers navigating the DC market. Their professionalism, honesty, communication, patience, and dedication truly made this dream possible. He will really work for his clients and it's worth it. Trust his word he is extremely knowledgeable. 10/10 overall!!!

David was nothing short of spectacular in helping us achieve our goals. We wanted to minimize…read morespending on our new home purchase, with 2 kids in school. David was able to close quickly on a program that gave down payment assistance & closing costs, reduced mortgage insurance and was able to secure a big discount on title fees through one of David's connections. He also referred a great contractor to help us with some renovations post close. I've already referred a friend with confidence and consider David a trusted friend, far beyond what I expected from a loan officer.

I've been both a customer and an employee, so I hope my review will provide a different perspective…read moreof the company. The McKays (and team) are fantastic. My family has worked with the McKays on two purchases thus far, and we plan to continue working with them more moving forward. They were a major reason our offers were accepted in both cases. They took the time to reach out to the listing agent to communicate why we would qualify and close on time. Their knowledge in addition to their ability to communicate it is evident to all parties involved throughout the mortgage process. The McKays success all starts with the fact they are simply good people who work effectively. The McKay team is always focused on serving those around them in the best way. I was privy to many conversations where they decided to go out of their way to do what was right for the customer without expectation of anything in return. They celebrate each new year of business by rounding up all their friends and clients to go volunteer at a local charity, followed by an after party. They offer up their time and energy locally in numerous organizations. Before you work with any other lender, see if they have nearly as strong and long lasting ties as the Mckays do to other local businesses. All of this is in addition to the fact they know the mortgage industry and all its intricate guidelines like the back of their hands; they've been in the industry for decades. Lastly, they're simply a fun group to spend time with. Hopefully I'll see you at their next event after you've worked with them!

Worked with Brendan, Tina and Matt on both my purchase and a refi over the past year. Simply the…read morebest mortgage team in the DMV area. They are amazingly communicative, timely and fun to work with. After my purchase, Brendan kept tabs on rates for me and reached out when the needle had moved in my direction. I ended up dropping my payment by $400+ within 1/2 year of purchasing my condo in DC. They made the process painless and made sure I understood what was going on every step of the process. I'm a real estate investor, so I deal with a lot of financing teams. They get the job done at a great rate and go above and beyond to make sure your buying experience is as stress-free as possible.

Nick was so responsive and helpful! He got back to us so quickly to answer every question we had as…read morefirst time homebuyers. He helped us with a first time homebuyers grant to buy our home in Hyattsville that awarded us $10,000 towards our down payment and eliminated mortgage insurance. We wholeheartedly recommend him. Thank you for everything, Nick!

Nick is awesome! He never failed to reply to an email the same day, even going out of his way to…read morerespond late at night and on weekends. He answered all of our questions as first time home buyers and really made the process as easy as possible. He and his team were highly professional and they were able to accommodate our need to close quickly. Highly recommend!

I've worked with Ray on a couple of transactions and he's so incredibly knowledgeable and helpful…read more I've given him really tough and challenging requests and he's able to work miracles in getting the paperwork processed, locking in great rates, and closing the deals. In today's market, it's important to have someone who is willing to work hard for you in order to secure funding so that you can purchase your investment or dream home. I highly recommend Ray as one of the best Mortgage Brokers out there. You can tell he enjoys what he does as well. It is always a pleasure to work with someone who enjoys their work. He has a great team, too.

From the owner: In sharing my expertise to personally assist thousands of families with responsible and affordable…read morehome financing, I've gained an extensive background assisting all types of people, whether it be first time home buyers, high net worth borrowers, self-employed borrowers, or investment borrowers. In addition, I have a great deal of experience with Conventional, Construction, Investment and Jumbo lending. These experiences allow me to have more product knowledge and to provide you with very competitive pricing.

Without a doubt, Scott is the best loan professional I have ever dealt with. I have worked with…read moreScott on several loans dating back to 2012, when a previous loan process took a turn for the worse. I was put in touch with Scott who quickly picked up the pieces, rescued, and closed in about 2-3 weeks. Most recently, Scott has helped in securing a loan in less than 25 days. He and his team continue to impress, not only with their ability to process and close, but also with their efficiency, open and effective communication, and outstanding level of service. Outside of helping with my loans, I have also been able to count on Scott to answer random mortgage questions that have come up. Scott takes his job very seriously, and his care for putting client interest first is evident. With a wide breadth & depth of industry knowledge, both local and nationwide, Scott has an excellent ability to relate to his clients, looking out for their best interests and educating them along the way (often regardless of whether he is getting business out of it). As a real estate professional, having contacts like Scott that you can count on and trust to get the job done and get the job done well are so critical. Referrals mean so much to so many industries, and I never hesitate to refer friends, clients, relatives to Scott's expertise. Always a pleasure working with Scott.

Scott and his team worked effortlessly to help me get my loan! Went from touring a place to…read moresettlement in less than 30 days. I do appreciate all their hard work and communication. Scott also gave me great advice (and got me locked at a great rate) and I'd never hesitate to refer his team and/or to work with him again! Very happy I went with a local lender vs an online lender.

The best mortgage company I have ever dealt with. Amir and Ray are absolutely amazing in putting…read moresuch great mortgage company together. I have already done couple deals with them and I know for sure they got all my business in the future too. They are honest and up front with every deals.

Hands-down best mortgage loan officer I've ever encountered! we've dealt with a lot of incompetent…read moreofficers but Marion was so professional and capable, and graciously worked with us after a bad experience with a different lender. best of all, she'll answer ANY question at all hours of the day! That was our favorite thing about her, always accessible and responsive to her clients. I would HIGHLY recommend her to anyone going through the mortgage process, as she made the process so much less painful than it usually is.

We came across Marion while shopping for home loans. As first time home buyers, we were completely…read moreunfamiliar with this process, and it can easily be confusing, overwhelming, very time consuming and stressful. Marion basically shepherded us through our loan process, with us successfully ending up with a home at excellent interest rate! We cannot thank Marion enough, or sing enough praises of her. She was simply awesome!! Marion helped us get extremely competitive rates at SunTrust through their doctor's loan program. These rates were well below the rates we were being offered elsewhere. However, we kept hearing (including from our agent) that SunTrust were not to be trusted to get the loan ready and in a timely manner for closing. She promised us that she would get it done, we stuck with her, and that ended up being a wise choice. Marion was on top of her things from the get go, asked the right questions and never over-promised, which is a reflection of her thorough knowledge and expertise. She was super communicative -- always responded to our questions/queries right away (and there were many many questions). Since both me and my wife have busy schedule, we often only got chance to talk at odd hours, and Marion was extremely accommodating by being willing to talk at our convenience. She works tirelessly, and we always felt assured when we talked with her -- she and her team were on the ball the whole way. Really impressive! We also really appreciated that she drove an hour to be at our closing (and she didn't really need to be) -- such a nice gesture. We wholeheartedly recommend her to anyone looking for loans, especially first time home buyers, and for ones that qualify via doctor's loan program.