Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Massachusetts and New Hampshire.
Sophia was born and raised in Leominster, MA where she graduated from Leominster High School and started her career in the banking industry where she has spent 14 years focusing on the needs of her clients. She decided to move into the mortgage profession because she has a passion for helping people reach the ultimate goal of home ownership, and she realizes how overwhelming the process may seem. Whether they’re first time home-buyers or purchasing their fifth property, Sophia takes her time to explain the products available to her clients to ensure it’s a positive stress-free experience. She is always available answer any questions her clients may have.
Sophia is a proud mother and sports enthusiast who spends her free time with family and playing softball whenever she can. No matter what, she keeps her clients the number one priority while remaining family- oriented.
Rating: 5.0 out of 5.0 from Encompass Sophia and her team were like guardian angels. They explained everything along the entire process. Any texts, emails, or calls were promptly replied to. Being first time home owners it was a very stressful and daunting process and I truly mean it that the experience was made infinitely easier and less stressful because of the team we had to work wi... Stephen JosephHolden, MA Aug 16
Sophia and her team were like guardian angels. They explained everything along the entire process. Any texts, emails, or calls were promptly replied to. Being first time home owners it was a very stressful and daunting process and I truly mean it that the experience was made infinitely easier and less stressful because of the team we had to work wi...
Rating: 5.0 out of 5.0 from Encompass was very attentive. She could tell if I was having a hard time with all this electronic stuff. And she would actually pick up the phone and call me and help me get through the process.. PaulWestminster, MA Aug 15
was very attentive. She could tell if I was having a hard time with all this electronic stuff. And she would actually pick up the phone and call me and help me get through the process..
Rating: 5.0 out of 5.0 from Encompass Sophia and her team worked diligently to make this happen. I was with a lender whom I've worked with in the past who simply "ghosted" me. I was connected to Sophia and from start to finish, made the process seamless. Sophia updated me duringnthe entire process and imformed me of any potential issue... IsaacNorthfield, MA Aug 13
Sophia and her team worked diligently to make this happen. I was with a lender whom I've worked with in the past who simply "ghosted" me. I was connected to Sophia and from start to finish, made the process seamless. Sophia updated me duringnthe entire process and imformed me of any potential issue...
Rating: 5.0 out of 5.0 from Encompass Sophia is amazing to work with. Buying a home is so stressful, but I always felt so much better after getting off the phone with Sophia. You can tell she really prioritizes her clients and goes the extra mile for them. We wouldn't be in our new home without her and are so grateful! DevonClinton, MA Aug 11
Sophia is amazing to work with. Buying a home is so stressful, but I always felt so much better after getting off the phone with Sophia. You can tell she really prioritizes her clients and goes the extra mile for them. We wouldn't be in our new home without her and are so grateful!
Rating: 5.0 out of 5.0 from Encompass Friendly and easy to communicate with! PatrickClinton, MA Aug 10
Friendly and easy to communicate with!
Rating: 5.0 out of 5.0 from Encompass Sophia did a great job explaining my options and helping me find option to fit my budget KellieWorcester, MA Aug 09
Sophia did a great job explaining my options and helping me find option to fit my budget
Rating: 5.0 out of 5.0 from Encompass Sophia was always able to answer any question I had and she made sure I totally understood what everything meant during this whole process. She also made sure that everything went as smooth as it could during this process. NicholasLancaster, MA Aug 07
Sophia was always able to answer any question I had and she made sure I totally understood what everything meant during this whole process. She also made sure that everything went as smooth as it could during this process.
Rating: 5.0 out of 5.0 from Encompass Everything! Clear communication and we didn't feel pressured at all! GaWestminster, MA Aug 05
Everything! Clear communication and we didn't feel pressured at all!
Rating: 4.8 out of 5.0 from Encompass Extremely responsive team with excellent communication. ScottLeominster, MA Aug 03
Extremely responsive team with excellent communication.
Rating: 5.0 out of 5.0 from Encompass Working with Sophia and her team madr purchasing my 2nd home a breeze! They took away all the stress that comes with purchasing and instead turned it to a pleasant expirience. NicholasAshburnham, MA Aug 01
Working with Sophia and her team madr purchasing my 2nd home a breeze! They took away all the stress that comes with purchasing and instead turned it to a pleasant expirience.
Rating: 5.0 out of 5.0 from Encompass Sophia went above and beyond with our fast timeline closing! LauraLeominster, MA Jul 29
Sophia went above and beyond with our fast timeline closing!
Rating: 5.0 out of 5.0 from Zillow In a domino effect, my RE agent, who also was awesome, referred me to Sophia Bell at Total Mortgage Services. I knew very little about the entire process. She worked well with my insurance agent as well as with my RE agent. Sophia took the time to explain anything in more detail as needed. She got back to me via text, voice, or email per my prefere... RachelTempleton, MA Jul 28
In a domino effect, my RE agent, who also was awesome, referred me to Sophia Bell at Total Mortgage Services. I knew very little about the entire process. She worked well with my insurance agent as well as with my RE agent. Sophia took the time to explain anything in more detail as needed. She got back to me via text, voice, or email per my prefere...
Rating: 5.0 out of 5.0 from Zillow From start to finish, Sophia and her team at Total Mortgage made this a pleasant experience. She was quick to answer any questions which arose, and really kept me in the loop throughout the entire process. Her promptness, courtesy, and professionalism have left a lasting impression. I will definitely be recommending her services to friends, fami... NualaLeominster, MA Jul 28
From start to finish, Sophia and her team at Total Mortgage made this a pleasant experience. She was quick to answer any questions which arose, and really kept me in the loop throughout the entire process. Her promptness, courtesy, and professionalism have left a lasting impression. I will definitely be recommending her services to friends, fami...
Rating: 5.0 out of 5.0 from Zillow Sophia is an absolute Life Changer. I was at a point in my purchasing journey, with a collection of pre-approval letters, that left me asking my realtor why would I bother with another at this point? But, I agreed to take Sophia’s call. Wow. Just, wow!!! She knows her stuff inside and out. She is informative, professional and pleasant. Sophia st... BarbLowell, MA Jul 28
Sophia is an absolute Life Changer. I was at a point in my purchasing journey, with a collection of pre-approval letters, that left me asking my realtor why would I bother with another at this point? But, I agreed to take Sophia’s call. Wow. Just, wow!!! She knows her stuff inside and out. She is informative, professional and pleasant. Sophia st...
Rating: 5.0 out of 5.0 from Zillow Sophia walked us through every step of the mortgage process. She was available when we had questions and helped us navigate from pre-approval to closing. She answered our "why" questions and worked with us for 4 months until we found our home. CarlySouthampton, MA Jul 28
Sophia walked us through every step of the mortgage process. She was available when we had questions and helped us navigate from pre-approval to closing. She answered our "why" questions and worked with us for 4 months until we found our home.
Rating: 5.0 out of 5.0 from Zillow I appreciated Sophia taking me step by step through the process of getting the mortgage for my new home. She gave me her time and effort (even when on vacation). I highly recommend Sophia to everyone, especially first time home buyers. Thanks! Michael M.Westfield, MA Jul 28
I appreciated Sophia taking me step by step through the process of getting the mortgage for my new home. She gave me her time and effort (even when on vacation). I highly recommend Sophia to everyone, especially first time home buyers. Thanks!
Rating: 5.0 out of 5.0 from Zillow Is the second property that I bought with Sophia. She is super knowledgeable. Make my overwhelming home purchase process a smooth transaction. She always goes above and beyond to find you the best deal. đź’Ż% recommended. Juan Winchendon, MA Jul 28
Is the second property that I bought with Sophia. She is super knowledgeable. Make my overwhelming home purchase process a smooth transaction. She always goes above and beyond to find you the best deal. đź’Ż% recommended.
Rating: 5.0 out of 5.0 from Zillow I was recommended sophia by my realtor, first time buying a home i didn’t know what to expect with a mortgage and wasn’t really sure how it all worked. She explained it in ways i could understand. I could tell that she’s determined and willing to do about anything in her power to get you approved. I Highly recommend!! Ronnie CormierAthol, MA Jul 28
I was recommended sophia by my realtor, first time buying a home i didn’t know what to expect with a mortgage and wasn’t really sure how it all worked. She explained it in ways i could understand. I could tell that she’s determined and willing to do about anything in her power to get you approved. I Highly recommend!!
Rating: 5.0 out of 5.0 from Zillow From start to finish we really appreciated working with Sophia. Any questions or concerns we ever had she was quick to respond and resolve. Her personalized videos were always awesome đź‘Ś, so there was never any miss communication or understanding. Highly recommended LandryLeominster, MA Jul 28
From start to finish we really appreciated working with Sophia. Any questions or concerns we ever had she was quick to respond and resolve. Her personalized videos were always awesome đź‘Ś, so there was never any miss communication or understanding. Highly recommended
Rating: 5.0 out of 5.0 from Zillow Sophia was AMAZING the entire process. We are first time home buyers and had A LOT of questions throughout the entire process. Sophia explained every detail possible at all times which helped us be better informed while we made this huge life change. She made sure we knew exactly what we were doing and what we were getting. She was available to us ... Bianca & RollandGardner, MA Jul 28
Sophia was AMAZING the entire process. We are first time home buyers and had A LOT of questions throughout the entire process. Sophia explained every detail possible at all times which helped us be better informed while we made this huge life change. She made sure we knew exactly what we were doing and what we were getting. She was available to us ...
Rating: 5.0 out of 5.0 from Zillow Sophia Bell recently represented my fiancée and I in securing our mortgage for our new home.I can't express enough how much Sophia did on our behalf. This process has many details and many items can go wrong along the way unless your fortunate enough to have someone as hard working, knowledgeable and attentive to details as Sophia. Sophia always m... KeepitsimplgodFitchburg, MA Jul 28
Sophia Bell recently represented my fiancée and I in securing our mortgage for our new home.I can't express enough how much Sophia did on our behalf. This process has many details and many items can go wrong along the way unless your fortunate enough to have someone as hard working, knowledgeable and attentive to details as Sophia. Sophia always m...
Rating: 5.0 out of 5.0 from Zillow Sophia made the process of home buying very smooth and definitely got the process and approval moving alot quicker than i originally planned. I would definitely recommend Sophia to my friends and family looking for a positive experience in loan approval and home buying. Thank you so much for your help. MichaelFitchburg, MA Jul 28
Sophia made the process of home buying very smooth and definitely got the process and approval moving alot quicker than i originally planned. I would definitely recommend Sophia to my friends and family looking for a positive experience in loan approval and home buying. Thank you so much for your help.
Rating: 5.0 out of 5.0 from Encompass Sophia was there every step of the way to answer any questions we had, really made a complicated process very simple for us first time home buyers. CyFitchburg, MA Jul 24
Sophia was there every step of the way to answer any questions we had, really made a complicated process very simple for us first time home buyers.
Rating: 5.0 out of 5.0 from Encompass Sophia is fabulous to work with, excellent communication with all parties, conscientious of deadlines, knows her products and most of all always does what's best for for the clients! JenHudson, MA Jul 11
Sophia is fabulous to work with, excellent communication with all parties, conscientious of deadlines, knows her products and most of all always does what's best for for the clients!
Rating: 5.0 out of 5.0 from Encompass Sophia and her team were so on top of everything it made this new mortgage feel easy! ZoeHudson, MA Jul 11
Sophia and her team were so on top of everything it made this new mortgage feel easy!