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    David Toaff - First Home Mortgage

    David Toaff - First Home Mortgage

    (62 reviews)

    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 instrumental in helping me find the right loan product for my first home purchase. He…read morethoroughly explained the process, answered all my questions and was clearly a trusted advisor, rather than someone trying to just sell a mortgage to me. He also helped me snag a great discount on a local title company that did solid work. I've since referred a friend and know I can trust David if questions arise.

    Bob O’Connell - Main Street Home Loans

    Bob O’Connell - Main Street Home Loans

    (15 reviews)

    Canton

    The homebuying process as a first time buyer was difficult for me for a number of reasons - my…read moreagent was awful and completely unhelpful, I bought during the summer months so houses were flying off the market within days, and I was constantly disappointed by the houses I toured. Everything turned around for me once I started working with Bob (Robert) and Jessica. I called them at all hours of the day with a million and one questions and they were not only responsive, but also patiently explained every little detail that I was confused about (which was a lot). Bob came up with several different loan scenarios for me, all of which included every incentive program that I qualified for. After speaking with a number of different lenders and real estate agents, I realized that things like city-specific financial incentives are not common knowledge, even among experts in the trade. Bob knows his stuff and ended up saving me a LOT of money. He even called me once to say, "Great news - I just found a way to save you $1,500." Need I say more? I was also extremely grateful for Jessica, Bob's assistant. One time, Bob was in a meeting and normally, that's usually a sign to the client that they'll have to wait for a call back, but Jessica was so knowledgeable about my files and current situation, that she was able to help me with all that I needed herself. Bob also called to follow up after his meeting. Double win. I never even had to step foot in their office. I usually never write online reviews, but I really cannot say enough about Bob and Jessica at First Home Mortgage. If you couldn't already tell, I highly recommend!

    I'm so grateful that I was able to work with Bob and his team as my lender for my home loan. They…read morewere true partners who worked to educate me and hold My hand through the home purchasing process. I highly recommend this team.

    Affordable Home Mortgage - West Bart's Business Card

    Affordable Home Mortgage

    (6 reviews)

    I cannot say enough good things about our experience with West Bart and his team at Affordable Home…read moreMortgage. We were in an unusual starting position, but West handled our situation with on-point knowledge, excellent advice, and a refreshing and consistent level of stellar customer service, as well as a hefty amount of patience. He truly held our hand through this buying experience (my first), and was always up front with what to expect and how things would work out, while also keeping a vigilant eye on market conditions and potential impacts to the interest rates at the time, as well. Despite being a busy broker, we were not once ever treated as though we weren't his most important client, and truly felt he was personally invested in our home purchase and buying experience. West Bart is very good at what he does, and if you're considering the differences between a regular bank and a Mortgage Broker, I urge you to choose Broker and call West. He is patient, takes the time to truly make sure you're comfortable and educated throughout the entire process, and helped make our dreams of home ownership a reality. He even recommended an insurance agent that helped us save a tremendous amount of money, as well!

    Working with West Bart to obtain a loan is a smooth process. He is thorough and personable. Being a…read morebroker, he can work with many different lenders giving one an optimal chance of obtaining a desirable loan. I recommend West very highly for anyone with a need to obtain a loan.

    Federal Hill Mortgage

    Federal Hill Mortgage

    (39 reviews)

    Riverside

    Update 3/16/2020: I just finished my third closing with Federal Hill Mortage two months ago. As…read moreanyone who has bought knows, house buying is not always smooth sailing. However, I continue to choose Federal Hill Mortage because Tammy Saul and her team are always committed to making sure they are doing 150%. With them on my team, the home buying process is a little more relaxed and I am always confident that I am surrounded by people who are trying to help me achieve my goal. This team is well-educated on home-buying and are always ready with a recommendation and a positive attitude, especially in these confusing financial times. That's why whenever anyone tells me they are thinking about buying a home, the first thing I say is "Have I introduced you to Tammy and her team?" Five stars all the way around. What a stellar team :) ----------------------------------- First time home buyer at 26 here. And I could not have done it without Tammy and Tiffany from Federal Hill Mortage! They were always available with answers for my million questions and filled with kindness. Tammy is very resourceful and just the go getter I needed on my team to make my dream a reality. Tiffany is so sweet and worked so quickly to help my transition be as smooth as possible. Thanks to them, I am spending the weekend picking out paint colors and furniture, all with a huge smile! I highly recommend Federal Hill Mortage. If you want results, they are the team you need.

    I would give 100 stars if I could! Federal Hill Mortgage is the most promising, reliable, and…read morecredible lender out there. Working with Tamm and her loan officers made this entire process easier than grocery shopping. I am an individual who requires much communication and many updates, and was never left in the dark. It was nice to know someone was taking such careful care and looking closely into all details of my file to know what I was referring to whenever I had a question. 10/10 recommend.

    Naca - mortgagebrokers - Updated May 2026

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