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Joey Cummings
Loan Officer NMLS# 1310645
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
HANDS DOWN One of the BEST!!! I work with Joey often and she never disappoints! She is the biggest cheerleader for my clients and they always close knowing that she cares.
When I tell you professional and knowledgeable, Joey has this down to the T. We truly appreciate everything Joey did for my transaction. She was very helpful and I could not believe she showed up for the closing. The first I’ve ever seen!! I enjoyed working with her and will do it again.
Joey came to me highly recommended and she did not disappoint. When you hand your clients over to lenders you want to know that they will be taken care of. She did that and more. She was consistent in communicating with me, my client, and attorneys of where we were in the process. I appreciated that and will definitely recommend her in the future.
Mrs. Joey Cummings is one of the best. Even though this is my first time buying a home I felt like I knew everything she is perfect in explaining everything to me and she has a great personality. She definitely is a pro at her job nothing went unexpected. I would recommend her to everyone that is interested in buy a home she is steady and fast.
It was a pleasure meeting Mrs. Cummings. She is very excellent at what she does. And is awesome to work with. I am so grateful that I had her as a part of my processing team.
Mrs Cummings made the process very easy for me as a first time home owner.She was always there to receive my calls and to explain every detail of the process. I really appreciate you Mrs Cummings and will recommend you to anyone who want to own a house. She is Very professional. Thank you.
