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    Carolyn Flitcroft - Main Street Home Loans

    Carolyn Flitcroft - Main Street Home Loans

    (18 reviews)

    FIVE STARS!!! Top recommendation! Call Carolyn!!! I…read morereached out to Carolyn after my unexpected and ugly divorce, feeling completely overwhelmed. I desperately wanted to keep our family home so my kids could have stability in the only house they've ever known--but I didn't think I could afford a buyout. Before finding Carolyn, I had some discouraging experiences with other loan officers--one mocked me for being a federal employee and said I was a risk; another dismissed my questions with "you can Google that." By the time I connected with Carolyn, I was exhausted and despondent. From our very first call, everything changed. Carolyn's incredibly knowledgeable and knows how to navigate the complexities of loans (and divorce) - but what truly sets her apart is her heart. She is one of the kindest, most compassionate people I've ever worked with. She patiently answered every single question I had (and there were many!), never once making me feel like a burden. She kept me informed every step of the way, handled every hurdle with grace, and stayed fully engaged from start to finish. Most importantly, she gave me confidence. Instead of feeling lost or intimidated, I felt empowered--because she took time to explain everything clearly and truly acted as my advocate. To my amazement, Carolyn showed me that I could afford to buy out my ex - and helped me get a great rate! She guided me through every step of the process with care and professionalism. She came highly recommended by my financial advisor, and now I completely understand why. She didn't just help me get a loan--she helped me keep my home and create stability for my kids during one of the hardest times in my life. If you're looking for someone who's both a top financial professional AND a genuinely caring human being, CALL CAROLYN! She's a brilliant loan officer/fairy godmother - and I'm forever grateful.

    Received an exceptional service from Carolyn! Always very responsive and all paperwork was handled…read morein a timely manner, particularly within a tight timeline. So appreciate all of her help!! I would highly recommend her and Main Street Home Loans.

    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.

    Scott Fournier - Integrity Home Mortgage

    Scott Fournier - Integrity Home Mortgage

    (15 reviews)

    Let's say your best friend was a mortgage guy, a loan originator. What would you expect to get from…read morehim in the way of service? Wouldn't you expect that your best friend would make you feel like you're his only client? Wouldn't you expect to get "special attention" to your closing? Wouldn't you expect to feel like your closing was his own? That's what I would expect. And with Scott, you get that and so much more. I have had the pleasure of working with Scott on two closings, the second being of a very delicate nature. I simply cannot use enough superlatives to describe his attention to detail, the depth of his knowledge and experience, and absolute commitment to the entire process. Along with that he has an outgoing gregarious personality without being "over the top." From the first time I met him I felt I had known him for a long time. Affable, personable, reliable, dependable, and professional. He's like the Labrador Retriever of loan guys!! I don't "do" reviews. I'm Old School. My attitude is typically, "I'm paying you to do your job, now do it." However, with Scott and my experience in dealing with him, I simply had to pass along a few words that may help you to decide and know that if you work with Scott Fournier and Integrity Home Mortgage, you will be absolutely glad you did!

    Scott is an absolute pleasure to work with. From our initial introductions he was prompt to respond…read morethrough phone, email and text. During our face to face meeting my husband and I walked in and we were nervous, Scott immediately settled our nerves and is SO easy to talk to, laugh with, and truly open up about our home and future goals. He helped us lay out a solid path to follow and we will most definitely be working with him again when we want to refinance or make another purchase. I highly recommend him. Reach out to talk to him even if your not quite ready he can help give the knowledge and tools needed, and who knows, you may be further along than you think!

    PNC Bank - banks - Updated May 2026

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