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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
Working with Mrs. Cummings has been one of the most reassuring parts of my home-buying journey. As a first-time homebuyer, I had a lot of anxiety and questions, but she made everything feel manageable and transparent. She walked me through every step with patience and clarity, responded quickly to emails and calls, and always made sure I felt informed and supported. Highly recommend!
Very thorough and good communication.
Joey was incredibly thorough and took the time to explain everything clearly. She offered me several options and made sure I understood each one. She was kind, respectful, and went above and beyond to help. Truly a great experience.
Working with Joey Cummings at Guild Mortgage was truly a joy from start to finish. She was attentive, knowledgeable, and made sure my first-time buyer felt supported and informed every step of the way. Joey stayed on top of everything and communicated clearly throughout the entire process. Her professionalism and care were evident from the very beginning. She didn’t just handle the loan side flawlessly, she made my client feel seen, valued, and empowered. That kind of service makes all the difference. I am so grateful for the way Joey showed up for this transaction and I look forward to working together again soon.
Working with Joey was truly a blessing! From start to finish, she was incredibly patient, thorough, and always made sure I understood every step of the process. She answered every question, kept me updated, and never made me feel like I was just another file on her desk. She genuinely cared and went above and beyond to make sure my home purchase was smooth, stress-free, and successful. I couldn’t have asked for a better loan officer!
We were first time home buyers. Joey was so patient with us and was always available to answer questions. She walked us through everything and was very thorough. She is absolutely amazing and was able to close us in a month. Pricing was fair for the market and closing was so smooth. I will definatly be recommending Joey to all my friends and family for any mortgage needs!
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