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About me

I am a native of Newark, New Jersey however Evans/Augusta is my home where I reside with my husband and three boys, Steven, Justice, and Bleu (the dog).  In my free time I enjoy shopping or simply having quiet time.  

I earned a BA degree from Paine College in 1996.  In 2004 I obtained a dual degree Masters in Health Administration and a Masters in Business Administration.  At the start of my Professional career, I worked in the mental health field in the areas of substance abuse and children’s behavioral health.  Later in life I became dual careered.  I served at Augusta University as an Adjunct Professor in the Kinesiology Department teaching Zumba, and I worked as a community activist by working for one of the local Chambers of Commerce.  Advocating and understanding the needs in our community is what I had become more passionate about.  When offered the opportunity to make dreams come true with home ownership, I jumped at the opportunity starting my mortgage career.  Because I valued health and fitness and enjoyed educating young adults, I continued my role as an Adjunct Professor for eight years until I retired in December 2020.  As a passionate Loan Officer, I consider myself a specialist with first time home buyers.  Because of my Psychology background, I am often able to decipher and understand the fear and anxiety associated with a large purchase.  I use this insight to tailor my services to better meet the needs of each specific individual.  Because I am an educator by nature, I discuss with my customers financial literacy topics during my consultations that center around the following:  establishing healthy credit habits, favorable debt to income ratio percentages, establishing a budget and a plan for building a strong savings account.  Some community/business-related accomplishments include the following:  

Raised over $15,700 for the local and State Alzheimer’s Association.  

Completed the Mortgage Bankers Association of Georgia’s Future Leaders Program. 

Served on the board of 1st East Central Georgia Partners in Home Ownership. 

Active member of the Home Builders Association of Greater Aiken Augusta Region.    

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Testimonials

Testimonials
4.99 out of 5.0 stars
4.98
5.0
Tremayne
Nov 25, 2024
Verified

I was thoroughly impressed with Mrs.Cummings(Joey). She was very thorough, and informative during the process. If I had any questions she was available. I would recommend her for future business, and have recommended her to others.
Shannon
Nov 21, 2024
Verified

My first time buying a home & Mrs Joey made my experience so much easier!! She was great to work with & any questions or concerns I had she was there every step of the way!!!! Thanks to her I’m a homeowner & I can’t thank her enough!!!! She went above & beyond to make sure everything was good!!!
Crystal
Oct 17, 2024
Verified

Joey was amazing through my first time home buying process. She is very knowledgeable and detailed. She has no problem answering and breaking down your questions! Very prompt with her responses and checked in on me daily! Joey you're awesome. Thank you again for making my home buying process manageable! 🙂
Alcenda G
Sep 24, 2024
Verified

Thank Joey Cummings for all of your fast easy delightful services . You are so excellent at your job. From start to finish. Sit back and enjoy the ride. The experience that I had working with you was Magnificent. Thank you so much we are so delighted to owne our New House. I will refer you to everyone that I know . Thank you Joey .May the Almighty bless you and your family always.
Alcenda
Sep 24, 2024
Verified

Thank Joey Cummings for all of your fast easy delightful services . You are so excellent at your job. From start to finish. Sit back and enjoy the ride. The experience that I had working with you was Magnificent. Thank you so much we are so delighted to owne our New House. I will refer you to everyone that I know . Thank you Joey .May the Almighty bless you and your family always.
Gerald
Sep 18, 2024
Verified

Thru out this whole process Joey was professional and courteous and always on point. I could not have gotten a better representative. Joey keep doing what you are doing. If asked for a referral you will be my first choice stay strong stay on top of the game. Once again thank you so much and God bless.

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passionate about

member of Guild Giving
NMLS ID #1310645
I am authorized to do business in the states of Georgia and South Carolina.