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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

Testimonials
4.99 out of 5.0 stars
4.99
5.0
Jenise
Jul 07, 2025
Verified

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.
Jaleesa
Jun 25, 2025
Barnwell, SC
Verified

If I could give Mrs. Joey a million stars I would. Thank you Joey for always being available to talk to me and reassure me. Very professional, friendly, helpful and knowledgeable in this whole process Joey made sure I understood the process we was going through and that’s what I loved about her. Definitely my one call that’s all. Her guidance and support have made all the difference in my growth. Joey made sure I got the best loan that fit me. My girl was proactive in getting things done and helped me close on TIME. She’s really is that girl in what she does. I love that for her. She made this experience positive, thanks to her professionalism and expertise. I just want Joey to know how thankful I am and she’ll be my go to. I want her to know I’m thankful she gets to witness this life changing experience for my kids and myself. This isn’t only a job for her this is what she loves to do and I can see that. So big thanks to my loan officer from the bottom of my heart. You rock
Brittany
Jun 30, 2025
Verified

Joey worked her magic for the second time for me and my family. She answered any questions I had and walked me through the process both visually and verbally. She was always easy to get a hold of and or contacted me back within in a reasonable time every time. She’s honest and very good at her job. We definitely recommend her services to anyone looking for a home!
Kiana
Jun 13, 2025
Verified

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!
Odessa
May 27, 2025
Columbia, SC
Verified

Very thorough and good communication.
Odessa
May 22, 2025
Verified

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.

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Awards

Scotsman Guide Award

Causes & Memberships

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