Sonia Downs

Loan Officer, NMLS # 1177205
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As a Loan Officer, I bring 8 years of experience in helping borrowers with their home lending needs. Whether you are a first-time homebuyer, seasoned homeowner, or refinancing an existing loan, I have a deep level of expertise to help you find the best loan to meet your needs. I take the time to carefully consult with my borrowers so that they clearly understand their options and the home lending process. This, along with regular communication throughout the process leads to a great experience for my borrowers. My business is built on referrals and my goal is to far exceed your expectations!

Languages Spoken



FHA, VA and USDA loans
Home Equity Lines of Credit
Home Equity Loans
Conventional Fixed Rate and Adjustable Rate Mortgages
Employee Loans
Low Down Payment Assistance Mortgages

Experienced Lending In


Home Lending Resources

Rate tool

Get your personalized rate quote

See rates and financing options to help you find the best home loan for your life and budget.
House info

Mortgage 101

Explore financing options and find the best home loan for your life and budget.
Home value

Home Equity 101

Use the equity in your home to achieve your goals with flexible financing options

Helpful Articles

  • Steps to Buying Your First Home

    Know what to expect on your home buying journey and explore what you need to know as a first-time homebuyer
    Find out more
  • Buying Your Next or Second Home

    Understand the process and factors of buying your next or second home
    Find out more
  • What Can a Home Equity Loan or Line of Credit Be Used For?

    Use the equity you've built in your home to consolidate debt, renovate, make major purchases and more
    Find out more

About TD Home Lending

You can trust TD Bank to deliver a superior lending experience. Whether you’re purchasing or refinancing, we provide straightforward, easy-to-understand products and advice, allowing you to make smart borrowing decisions that meet your needs today and tomorrow.
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