
About me
Sophie Sandlin Raines has been part of the mortgage world for most of her life—literally. As the daughter of Community Mortgage’s founder, she grew up immersed in the industry and officially began her career in 2017. What started as a front-desk role quickly turned into a full-fledged passion for helping others navigate the mortgage process with confidence and clarity. Since then, Sophie has become a consistent top producer known for her energy, resourcefulness, and commitment to communication.
She takes pride in being highly accessible to her clients and real estate partners, jumping in quickly to solve problems, answer questions, and ensure a smooth experience from start to finish. Whether working with first-time buyers or seasoned homeowners, Sophie brings heart, hustle, and a touch of fun to every transaction.
A native Memphian and graduate of St. George’s Independent School, Sophie went on to earn her degree from the University of Mississippi—Hotty Toddy! She now lives in Collierville with her husband Hunter, their son Gentry, and their two dogs, Finn and Rip. Outside of the office, you’ll likely find her ringside with her horse, Annie—she’s a lifelong equestrian—or traveling with her family. During the fall, weekends often mean heading to Oxford to cheer on the Rebels.
Sophie is Licensed in Alabama, Arkansas, Mississippi, and Tennessee.
Testimonials
Brad W
Thank you Sophie, I appreciate your knowledge, support and commitment in assisting me through the process.
April F
I had a great experience.
Frank B
4410 Robinson Loop East , The entire process from start to finish was fast and easy. Being able to do and sign documents online was a big help. Sophie kept me informed and up to date on the status
Samantha B
We had the easiest time working with Sophie! She was SO helpful in every way. We would love to work with her if we chose to buy another home in the future. Thank you so much Sophie, for all that you've done for our family!!
Deborah D
I give a tremendous thanks to Sophie Sandelin and the Community Mortgage Team. As a first time home buyer, she knew I would be worried about getting the process started. She guided me through everything and showed me how patient she is. I am highly pleased with the outcome, and she successfully helped me find my dream house. I am very thankful for her and would gladly recommend her to my family and friends.
Signed,
A Proud, Happy, and Satisfied Home Owner!
Jordi S-P
Sophie made this whole processes so much easier than I was anticipating it to be. She did an awesome job of explaining everything as we went, answering any of my questions and answering in a timely fashion. She even went the extra mile by working with me after-working hours. I would highly recommend Sophie as a loan officer to anyone that is on the market. She locked me in at a really great interest rate and also managed to get my closing costs down significantly by closing day. This was my first home buying experience and she made it a breeze. Thanks, Sophie!
Bill F
First off, thank you to Community Mortgage for getting my loan. I love my new home and could not be happier! I want to express a special thank you to Sophie Sanderlin. She, from day one, was so nice, kind and helpful that I will never forget her role in getting my house! Day by day, she was always working with me and always there for me, even sharing her personal cell phone number, so I could always reach her when needed. She is very helpful and knowledgeable in her field. I truly think without her, my outcome would not have been the same! Thank you Sophie, not only were you there helping me from the start, but you were there at my closing with a gift for my new home! I will gladly recommend Sophie and Community Mortgage to anyone looking to buy a new home! This is the way customer service should be! Thank you, Bill Franks
Amanda L
Carol & I have sent several buyers to Sophie over the last few months. She, and the entire Community Mortgage team, have been wonderful from step 1. Sophie is great with answering our buyers questions, as well as our own. We have felt informed every step of the way. We really appreciate her commitment to our buyers!
Amanda L
I am both a client and a REALTOR. Sophie has handled my personal loans as well as most of my customers for the last several years. She and her team are always responsive to the customer/client and the agents. I highly recommend her to all of our customers. The customer service, products offered, and competitive rates are all reasons we love Sophie Raines and Community Mortgage.
Lynn G
Sophie and her team were very professional through the entire process. We had a very tight time line and her team was able to move mountains. Community offered the best rate that we had been offer as well as exemplary customer service. I highly recommend them.
Holly H
Kim and Kay provided me with an experience above and beyond anything I could have wished for with my recent home purchase. I quickly grew to adore them both as not only realtors, but also as friends! Kim made my search for a home extremely comfortable and I knew throughout the ENTIRE process that she truly had my best interests at the heart of all she did . She was responsive to all of my requests, provided a seamless process and truly took the time to be sure everything was clear, understood and in my favor. Even after the process was complete, she continued to reach out to check in on my transition. I would HIGHLY recommend both Kim and Kay to anyone searching to purchase or sell a home, and TRULY couldn't imagine a better realtor team in the world! LOVED every minute of my experience with them both!
Rudy C
I seriously had the best experience working with Sophie. Her professionalism, knowledge, responsiveness, and expertise was unmatched. This process would not have been the best experience it was without Sophie. I would recommend her to anyone and will certainly use her again in the future!
Emily G
Sophie was so helpful during our first homebuying experience. She was patient with all of our questions and definitely helped guide us in the right direction when faced with different options. She was always so quick to respond and made us feel like her only client. The whole team at Community Mortgage made the process super smooth and stress-free. We are so thankful for her help and are loving the new home. Couldn't have done it without Sophie and the Community Mortgage team!
April M
We had a great experience with Sophie at Community Mortgage. We were having trouble finding a lender. We moved here from Knoxville TN and were struggling to find a lender familiar with pilot pay.
A real estate agent we were working with recommended Sophie. I gave her a call and the whole process was smooth. She was very friendly and helpful. She even went out of her way and showed up at closing with a gift!
Very happy with our experience!
Kristen D
We had a wonderful experience with Sophie! She was patient, thorough and always willing to simplify and walk us through scenarios. Very thankful to have her during our home buying process!
Chris C
Sophie was awesome to work with the from the very first email and phone call all the way to closing day! She made the process super easy and made sure to talk through all the options with us and give us honest feedback and advise. Thank you Sophie!
Emily H
Sophie Raines was great! She was very communicative and made sure we understood everything that was going on through the crazy buying process. Definitely going to recommend her to our family and friends!
Jennifer B
I recently had the pleasure of dealing w Sophie. As a new agent on the sales side, she really held my hand and helped me every step of the way. She was so easy to deal with, and made me look awesome to my client! I look forward to working many more deals w her!
Claudio M
We just had a wonderful experience with our mortgage, from the initial, tentative contacts, through the approval, all the way to closing the deal.
Sophie, as well as Tina and Bobbie, were very attentive and helpful, and answered each and all of our questions in detail.
We were treated like royalty at Community Mortgage, and certainly recommend Sophie and the team there!
John S
Experience was great and very informative. Every step was flawless
Eustis C III
Sophie made the process seamless to deal with. She also did a great job of laying out the details on the next steps on what to expect along the way. I know there’s a lot of options out there but it really does make a difference having a real person to deal with and be on your side.
Zeenan P
Being a first time home buyer like myself the process can seem very daunting! Community Mortgage took their time to address any and every question I had and made sure I was taken care of! They will treat you like family from the beginning and will make sure you have a great experience! Sophie Sandlin my loan officer was terrific throughout the whole process I would highly recommend her and the entire team at Community Mortgage and would choose them again in the future!
Alexandra M
Great experience!
Jim W
Sophie Raines was a joy to work with us at Community Mortgage Corporation. Ms. Raines is a hardworking professional. She helped us secure a mortgage for a lake house in an accurate, fast, and efficient manner. We highly recommend utilizing her services for your mortgage needs . Jim & Nancy Wallace
West H
Perfect in every way.
Emily G
Sophie was so helpful during our first homebuying experience. She was patient with all of our questions and definitely helped guide us in the right direction when faced with different options. She was always so quick to respond and made us feel like her only client. The whole team at Community Mortgage made the process super smooth and stress-free. We are so thankful for her help and are loving the new home. Couldn't have done it without Sophie and the Community Mortgage team!
Chase R
Sophie was incredible to worth with. Made the entire process a breeze. Would HIGHLY recommend her to anyone.
Scott and Sabrina M
This was our second time working with Sophie and Community Mortgage and we had another fantastic experience! Sophie is so knowledgable and she made the entire process smooth and seamless. She and her team always made sure to keep us updated with the progress of our loan, and we felt so confident knowing our loan was in their hands. We are so thankful that we had Sophie to go through the home buying process with and would recommend her and Community Mortgage to anyone!
Meatha T
Sophie is a top notch loan officer- accessible, knowledgeable and caring. Most notably one of her greatest strengths is her ability to relate to buyers and interact with them on a one to one level. Buyers have tons of decisions thrown at them during the purchase process. Having a loan officer who can explain the process, always be accessible to answer questions and take a genuine interest makes all the difference.
David & Kathy M
Our experience with Community Mortgage was superior from the initial conversation to the closing day. Sophie and Pat stayed with us every step of the way and often checked in on us just to see how the construction process was progressing. We both enjoyed the personal touch that we were given and it certainly took a lot of the new home construction burden off of our shoulders. Thanks for everything guys! See you next time.
Carol L
What a treat to work with a team that is run like a well oiled machine! It felt like I was the only transaction working even though I know that wasn't true. Loved the customer service and the personal touch from start to finish and beyond. Thanks for taking such good care of me and my purchase. I will tell all my friends, neighbors, relatives and peers of the great experience I had with Community Mortgage. Thanks again!
Grant W
Community Mortgage did a fantastic job with a very small window of opportunity and a last minute issue on my end!! Sophie and Jill stayed in contact with me throughout the whole process to ensure my dream backyard with a house was purchased by myself!! Sophie was out of town during my early closing date and she took time out of her day to congratulate me with the realtor on signing day!! Jill helped get the deal pushed through; working after hours since something on my end wasn't correct!! Community Mortgage made this purchase seem super easy and simple compared to what I thought buying my first house would be like!! A+
JR T
Community company was such a pleasure to work with, and mainly in part of our amazing loan officer, Sophie Sandlin. From the first time I spoke with Sophie inquiring about a home loan, she made me feel right at ease and reassured me that she would work her hardest on making sure I would realize the dream of becoming a homeowner. Sophie was never pushy and actually told me to shop around for interest rates, however; Community Mortgages' rates couldn't be beat and Sophie's customer service was second to none, which made it an easy choice.
I am a very inquisitive person, and my mortgage situation was a little complex, but Sophie was always available and willing to answer any question I had. She was very quick to respond and I was never left wondering what the next step in the process was, because she did an amazing job at outlining the next steps. During the underwriting phase, Sophie was still an integral part in assisting us in our mortgage, by answering questions, or following up on submitted paperwork with us, to make sure we understood everything. Sophie, and Community Mortgage made the process so easy, that I have recommend the company, and her as well, to anyone looking for a mortgage. Sophie was super professional, but so personabable that it made the process exciting. If I'm ever in need of another mortgage, I know exactly where I'm going! Thank you Community Mortgage, and thank you Sophie!
William D
We loved working with Sophie and the team at Community Mortgage. Everyone was so helpful. They anticipated our questions before we could ask them, and they made sure everything went smoothly. We highly recommend this thoughtful and professional team.
William H
I had the great opportunity to working with Community Mortgage, they really helped me out a lot in buying my new home,thank you so much
John A
Unbelievable response times and on point with all aspects of the origination through completion of closing.
The only reason anyone would not use Community Mortgage is they must be mad at their money!
Spring M
Everything was done well and the level of professionalism was great. I really appreciate everyone involved.
Thank you all!
Gil
Sophie Sandlin and her team were fantastic! Despite a change in closing date to an earlier one and juggling multiple other closings, they came through for us.
Charles H
I always felt comfortable and had plenty of help from everyone at Community Mortgage. I'm very well pleased
Caylyn P
Sophie and her team were absolutely amazing. They took amazing care of us and got us successfully to the closing table on time. I couldn't ask for better service from a knowledgable and local lender! Thank you so much for all you did for us!
Deborah D.
I give tremendous thanks to Community Mortgage's Sophie Sandelin and my realtor Kevin Mills. As a first time home buyer, they knew I would be worried about getting the process started. They guided me through it with their expertise and made me feel comfortable. I was highly pleased with the outcome and they successfully helped me find my dream home. I am very thankful for Sophie and Kevin.
Signed,
A Proud, Happy, and Satisfied Home Owner!
REGINA T
Sophie was absolutely amazing! I reached out to Community Mortgage when I was going through loan denial with a different company. Sophie listened to my concerns and gave sound advice on how to get the home I was seeking. She was extremely easy to work with and gave me timely updates every step of the way. With her help, we closed on our home in only two weeks! She made me feel like my family was her priority, and I could not have asked for a better loan officer. I am so pleased with my experience at Community Mortgage, and they have made a lasting impact on my family that we will never forget. I highly recommend them.
Ron & Debbie J
Sophie was very attentive and knowledgeable during the loan process. She continually kept us updated on the status and made sure that we had our documents in on time as we were under a very tight timeframe. The buyers of our home wanted to close in 30 days and Sophie was able to get it done. It was a pleasure to work with Sophie and Community Mortgage. We will use them again if the need arises.
Allison B
Sophie and her team were absolutely phenomenal. I felt like a friend they genuinely wanted to help as opposed to just a client. We hit some snags during our home buying process and Sophie really worked hard and did everything she could to help secure our financing and it worked! They were all absolutely on our side and made what can be a stressful process easy and transparent.
Kyle A F
Sophie was Awesome! Overall very happy with everything! Thanks!
Gabe L
Sophie and her team were such a pleasure to work with. They made everything run smoothly and allow us to navigate a FSBO deal. I would recommend the Community Mortgage team to anyone looking to purchase.
Jeanne C.
I am so pleased to say "Thank You" to Sophie Raines and to compliment you, Sophie, on how well our last transaction progressed since the initial contact from me and then my Buyer. You jumped right on board and were able to give me the "head's up" in the very beginning of what we could spend on a home and then worked out all the details quickly when we were in a multiple offer situation to get that house for my Client. We did get the house, and now she is living "happily ever after" in her new home! Thanks again, and I look forward to working with you again and again, Jeanne Childress, Vice President, Crye Leike Realtors.
Vonesha M
I had a great experience- the support offered made my transition (purchase) very smooth. I also really appreciated using the portal and electronic tools that were available.
Cat M
Seamless, easy and exciting! Working with Sophie to buy my first home couldn't have been a better experience. She was always there to answer all of my questions and educated me at length about the process so that I never ran into anything that felt unexpected or scary. I genuinely feel like she took care of it all and all I had to do was sit back and enjoy the ride! Thank you Sophie and Comminity Mortgage for being such a huge part in such an important life moment.
Rick C
Sophie and Pat have been absolutely fantastic in our mortgage arrangements. From the early days of finding the right rate and terms to the final closing, we could not have asked for a more professional, customer service oriented team ! I would recommend Community Mortgage to anybody who is looking for an exceptional experience !! Thanks to the entire team at Community Mortgage !!
Rick & Linda Cumberland
Brent C
I was gracious with the extended help and answers provided throughout the entire process. Sophie was extremely helpful and patient with Mallory and I. I would suggest Community Mortgage to anyone! They take the stress off their customers back!
Roger S
Sophie and Community Mortgage were wonderful to work with. First of all, we chose them because they offered us the lowest interest rate. We quickly discovered that Sophie and her team were knowledgeable, kind and easy to work with. They made the process smooth and stress-free. I would definitely recommend this loan officer and company to others!
Justin W
Sophie and the whole team at Community Mortgage were fantastic during the whole buying process. Quick to respond to any questions that I had. Very informative and always kept me up to date on what stage the buying process was at. Thank you all again for the help!
Sam W
Very professional with outstanding and competitive rates. We are lucky to have the help from community mortgage to purchase our dream home. Thank you so much.
Maurie T
Sophie with Community Mortgage is seriously the best! I was a first-time home buyer and she was there the whole way through to answer any questions I had. I felt confident purchasing a home with her help!
Mike G
About as pro as it gets

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