If you want a lender who is there to answer your questions (no matter how many or how often you ask), with patience and understanding both of the home buying process and how stressful it can be for the home buyer, who is committed to clearly communicating with you so you know exactly what paperwork is needed to make the sale happen, and truly wants the best for those he works with, Todd Pede is who you should choose! Todd was great throughout the entire home buying process but my husband and I were certain we'd chosen the right lender when we were grappling with a decision to potentially walk away from a home we were under contract on. We didn't know what Todd would say because we'd all already put so much time and effort into the purchase and now we'd be starting over if we walked away from this house. But when we expressed our concerns about buying the home to Todd, he simply said that with a purchase this big, we should be happy and excited about it (and we weren't). When we decided not to purchase that home, we never felt Todd's commitment to us or our home search waver. He continued working on our behalf and made sure we were ready when the right home came along a month later. Todd is a consummate professional who undoubtedly wants the best for his clients.We'd highly recommend him to anyone looking for a motivated, capable, dependable, and all-around fantastic lender. (And if you're a veteran looking to use your VA loan, like I was, its important to have a lender who has been through the VA loan process before and Todd has!) read more

Before buying our house - the second time we've bought a home - I would have said that it really doesn't matter who your financing is through, they all have basically the same rates. I now have a totally different opinion, purely due to how incredibly responsive and helpful Todd and his team were in this process. From initial discussions about what we might need, they were very clear in explaining different options to us and not steering us toward something a particular thing - for example, the implications of taking on points, or the thresholds for jumbo loans. But where Todd really shone was in preparing the documents for approval and being responsive to our questions and requests once we had decided to make an offer. He customized every detail of our offer letter, faster than we'd been able to get standard letters out of the other bank we'd used last time; he was on email at all hours of the day; and while sorting our financial situation had been like pulling teeth the first time, this time I felt like he had anticipated any issues and was incredibly flexible and helpful. The financing side of the purchase was a breeze, the rates we got were the best available, and I felt fully informed and included in the process. I'm a total convert to the idea that getting your loan with someone whose business is making your loan is a great idea - particularly if that someone is Todd. read more

As a realtor, it's extremely important to me to work with the very best when closing a home purchase or sale. I want nothing less than to exceed client expectations throughout their entire experience. I've had many choose Todd as their loan officer which proved easier for everyone. He understands the importance of a seamless and smooth transaction from contract to close. He also knows this is most likely the biggest asset in one's personal wealth. It takes white gloves to consistently manage all details and any hurdles in an already emotional experience and Todd does it time and again. If seamless and smooth weren't enough, I've also been impressed with Todd's willingness to sit down in person with clients. He's not an order taker. He's someone who asks a lot of questions. He gets to know a person today and wants to understand where they think their future is headed. Whether they are first time homebuyers, people who need help refinancing an upside down mortgage, or those looking to leverage equity from an existing home into another, he takes the time. He figures out the different loan options available and then the best one. With all this said, I highly recommend reaching out to Todd if you're in need of a loan officer. I can't say enough good things about him and I'm honestly a person who is hardly ever impressed :) read more

I've been on Yelp for a little while but this is the first and only review that I have taken the time to sit down and write thus far (there is a reason for that). Once I realized that Todd launched a page, I jumped at the chance to share something that I learned during my recent experience purchasing my first home: you cannot make a better choice than Todd if you're seeking a lender. From our very first conversation, he aimed to make sure that ALL of my questions were answered and that each of my concerns were properly addressed. I don't know about you but I HATE being pitched and, after expecting such an interaction during our first call, I hung up the phone feeling like I had found a partner in this process and not simply initiated a business transaction. There were a few things that needed to be taken care (on the sellers end) literally just hours before closing and Todd made sure I was up to speed every step of the way and equipped with all of the information that I needed. He was extremely professional, responsive, and reliable. Frankly, when you're making one of the biggest purchases of your life...you certainly wouldn't want it any other way. read more

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 versus the typical.."I can't legally tell you etc etc" 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. read more

Todd was amazing. We bought our first house in a competitive market and Todd was there the entire time. We were outbid on a few houses, and when we finally found the house, Todd and his team were amazing. The seller's realtor called Todd on a Saturday evening to confirm our financing and Todd was available and took care of everything. We had a short closing and, apparently, my husband and I were the only one's worried - Todd had everything under control. He answered all my first-time-home-buyer questions patiently and then he answered them again when my husband asked them. The amount of customer service received cannot be underrated. I'd read that you should get a local mortgage/finance guy and that advice was 100% correct and I'm soooo glad we went with Todd. Could not recommend more highly. read more

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 read more

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 lender 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! read more

Todd and his team have been incredibly patient with my needs as a first time home owner. They were patient with my questions, flexible with my work travel during the process, and were able to respond to urgent questions quickly and effectively. I had many thoughts and questions on how to get the best package for my mortgage, but always ended up going back to Todd's initial suggestions, as he was right on target. I will be sure to refer him to any friends or family looking to buy in the area. read more

We had a long house hunt, including being outbid a few times and having an appraisal issue, and Todd and his team were incredible from start to finish! At every step, Todd went the extra mile to make sure we knew our options and arm us with the best advice, ultimately helping us close on a great house in an up and coming neighborhood. His perfect blend of expert knowledge and fantastic customer service made a stressful process much much better. We would give him six stars if we could! read more

Todd and his team were outstanding! As a first time homebuyer I had no idea about loans and mortgages. Todd and his team were excellent. He was extremely responsive and answered all my questions thoroughly (and I had a lot of questions). I had looked at so many houses and Todd was able give us estimates and keep us informed on the changes in the market. I really appreciate how easy this process was! I would highly recommend Todd and his team to anyone looking to buy a home. read more

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. read more

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. read more

We highly recommend Todd Pede as a lender. 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! read more

Only four stars because this is my first mortgage and I don't know if it gets any better but... it would be hard to. Todd answered all of my questions, even the stupid ones, and worked with my agent and the probate people. He took care of all the DCOD (DC Open Doors) paperwork and really tried to get every penny for me that he could. Never met him in person but if I did, would give him a big HI FIVE! read more

Todd got us a quick approval letter and was very responsive to all of our questions. He definitely knows the DC market and that helped us avoid pitfalls with what may be considered "two-unit" properties. No matter how many times I called, he always sounded happy to help. With the experience of buying in DC being stressful, those things make all the difference. Thanks Todd! read more

Todd made the financing part of buying our first house very easy. Whenever we had a question or a change to make, he and his team always got back to us quickly and cheerfully. He went out of his way to explain any intricacies of the financing we didn't understand. I highly recommend Todd and First Home Mortgage if you need financing for a house! read more

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. read more

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. read more