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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

As a seasoned loan officer with over two decades of experience, I bring a wealth of knowledge and expertise to help you navigate the home buying process. My goal is to provide you with a tailored made mortgage solution and a seamless home buying experience. I offer exceptional service and personalized solutions to meet your financial needs.

When I'm not working, I love cooking, traveling, and enjoying downtime at home with my husband Clarence and dog Boss.

Let's work together to make your home buying experience smooth and successful.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

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Testimonials

Testimonials
4.91 out of 5.0 stars
4.89
5.0
James A
Oct 02, 2025
Verified

Sophia was great to work with from start to finish, very pleasant and easy to work with, very responsive and professional....She even came to the closing which is rare for a Loan Officer....I will definitely be referring other customers to Sophia.... Thank you Drew
James
Oct 02, 2025
Jacksonville, FL
Verified

Sophia did an awesome job from start to finished...Very pleasant and easy to work with....She kept us informed regularly and was very responsive whenever we reached out to her...She was able to provide a pre approval letter on very short notice...She even came to the closing which was very impressive and appreciative by all....It's very rare that the Loan Officer attends the closing....I will definitely be referring other customers to Sohpia....Thank you Drew
Ismael
Sep 30, 2025
Jacksonville, FL
Verified

I appreciate Guild Mortgage for such a wonderful service. My loan officer was amazing.
Alicia
Aug 30, 2025
Jacksonville, FL
Verified

Mrs. Davis was knowledgeable and very thorough. She guided me every step of the way. As a first time homebuyer, she answered all of my questions and concerns and made my first purchase seamless. 10/10!!
James
Aug 30, 2025
Macclenny, FL
Verified

Sophia was so pleasant and we felt we were not just a number but a person. She was very knowledgeable and always went above and beyond to get us the information we needed. She has such a sweet voice over the phone and never feels perturbed. I plan to tell Sophia my feelings about services she provided for us during our home buying experience. Ethel Dowling
Kristi
Aug 30, 2025
Saint Marys, GA
Verified

Sophia is rockstar! She was fully invested in my client and worked hard for our client.

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Awards

Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #898985
I am authorized to do business in the states of Florida and Georgia.