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Joey Cummings

Loan Officer

126 N Belair Road, Evans, GA 30809
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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 (of 21 years) 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 at Wells Fargo. I later joined Synovus where I worked for 5 years as a Mortgage originator.  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.
  • Currently serve on the board of 1st East Central Georgia Partners in Home Ownership which meets monthly to plan for the HUD approved workshops buyers need as a prerequisite for down payment assistance. 

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NMLS ID #1310645
I am authorized to do business in the state of Georgia.