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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
May 17, 2024

My husband and I were first time homebuyers navigating more last minute lender options due to our first lender not meeting our expectations. We must say Joey came in the clutch and provided us with reassurance throughout our journey. She has top tier communication and is very knowledgeable of her expertise. Thanks again Joey!
Apr 30, 2024

Becoming a first time homeowner can be a long difficult process to navigate, but with a great loan officer and team this process has been successful and worth the investment. Thank you again Joey🏡🔑
Apr 26, 2024

Mrs. Cummings is very professional and known to get the job done! Thanks for everything you've done.
Apr 19, 2024

Anyone and everyone looking to have superb service while looking to purchase real estate, looking for someone who is confident in their field, thorough in their research, patient and honest with their clients do yourself a favor and contact Mrs. Joey Cummings. She and her team is the absolute best. Hands down. I appreciate you Joey for making this process smoother than gel. You are truly blessed to do this work. Thank you for my wonderful experience as a first time home purchaser. I can hardly wait until next time.
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 😊

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