Joey Cummings

As a parent, Joey you guided my child with the knowledge she needed to ensure she was aware of her options and you always kept her and myself informed with accurate information. Your numbers were perfect and you performed like a true champion. You’re the person a first time home owner needs. Taking the time to keep the parent informed was an added plus. I was pleased with your performance and I would recommend you. Thanks for an outstanding relationship with me while helping my daughter. Thanks

As a first-time homebuyer, I honestly didn’t know where to start—so, per usual, I went down the Google rabbit hole. After some digging, I decided to get pre-qualified, and, by chance, I found Joey. As someone who can easily get stuck in analysis paralysis, with many questions and worst case scenarios, Joey really helped me reassure me, focus the goal and guided me step by step. She even gave me recommendations for local real estate agents that fit what I was looking for. What stood out about Joey: *Clear Communication & Dedication: From the get-go, Joey was clear, consistent, transparent and just easy to talk to. She wasn’t just professional—she was personable, upon my first inquiry she introduced herself (instead of sending a generic intro email like others), and kept me updated every step of the way through calls, texts, and emails (even when she was out of office). *Attention to Detail: It was important to me to stay under budget ($200K), and Joey tailored quotes to my budget, not just generic upper limit. Every conversation felt like she was really listening—she’d even repeat things back to make sure she got it right. *Problem-Solving Mindset: When I mentioned looking up crime reports for properties I was interested in, she didn’t just brush it off. She gave me some great feedback on resources other clients had used and even sent me websites that could help. She also took the time to review my pros and cons list for properties and gave me quick feedback on my counter-offer, breaking down how it would impact my mortgage. *Flexibility: As my preferences shifted during the process, Joey was always willing to update my financial breakdowns (to rest my nerves) so I could make better decisions. *Teamwork: Joey worked seamlessly with my real estate agent, lawyer, and other team members. It was clear they communicated really well and all enjoyed working together. Plus, she’s super familiar with the Georgia Dream Homeownership program, which helped me lock in a great interest rate (all things considered in 2025) and keep my closing costs under $3K (I’m sure everyone's situation will be different) while staying on track with tight deadlines. The whole process felt super fast (for me), from starting in late April to closing on July 1. Thanks, Joey, for your honesty, expertise, and just overall down-to-earth professionalism. No one’s perfect, but honestly, I was blessed that I can look back on this first experience and not regret working with or feeling that my experience was meh or lackluster. I couldn't imagine going through this process with any other lender.

Everything about this transaction with Joey with smooth! She was real, to the point, and always on time!!! Thanks for everything Joey!!! I can always count on you!!

Everything about working with Joey was genuine , realistic, fair, and on time!!!!! She made my transaction smooth and easy!!! thank you!!!

Joey is very attentive and customer service driven! I enjoyed working alongside her to get our first time home buyer to the closing table! I’m so glad I matched my buyer with her, we made an awesome Realtor Lender Team!

Joey is such the sweetest person ever! If I could start my process over with being a first time buyer I would just so I could have her be there with me through the whole thing. Having Joey take me through each step and explaining everything to me helped me in more ways than one. I’m forever grateful to have someone like you to walk me through everything.