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Joey Cummings

Joey Cummings

Loan Officer

126 N Belair Road, Evans, GA 30809
Own what matters
Own what matters

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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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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4.98 out of 5.0 stars
Mar 28, 2024

I really enjoyed working with Joey Cummings she is very professional. She is kind and courteous and patient.
Mar 02, 2024

If any one is looking to purchase a home, condo etc. for the first time or your dream home or forever home please contact Mrs. Joey Cummings when I say she made the process so easy kept me informed step by step from start to finish she answered all my concerns, calls also texts Joey is a very knowledgeable also cheerful person when I say a five star loan officer for Guild Mortgage for many years the company should be extremely proud to have her as dedicated employee. Thank you so much 😊
Feb 29, 2024

It was an absolute pleasure working with Joey to close out our transaction. She is not only a true professional and expert in her field, she is genuinely a great person. We closed on schedule with no issues so, I will most definitely recommend her to anyone and I look forward to our future business together!!
Feb 01, 2024

A-ma-zing -that is the only rating I would give to describe the hard working, tenacious Joey. She is awesome and I wouldn’t be in my home without her.
Jan 31, 2024

Joey is an awesome person to work with, she made buying process simple and easy. The dedication she has towards her work and clients is impeccable.
Jan 31, 2024

First I want to say thank you to Joey Cummings. She made my process of becoming a homeowner a breeze. I will be returning for my next property purchase. Thanks again. A happy customer.

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Causes I'm
passionate about

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