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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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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.

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Testimonials

Testimonials
4.99 out of 5.0 stars
4.99
5.0
Charissa
Apr 11, 2025
Verified

Joey is such an amazing and through lender her attention to detail is bar none. Every loan she has completed for me was on time and no stress. This makes my clients happy and me as well. She is great at what she does. It's always a pleasure doing business with her.
Roland
Apr 11, 2025
Verified

Mrs.Joey Commings are the best Mortgage Leander in the Augusta ,Ga. area . She is Very professional, knowledgeable and courteous .I highly recommend her.
Leroy
Apr 11, 2025
Verified

Our experience with The Guild and Joey was a pleasant and rewarding one. We submitted our paper work and she began working on our figures right away. Since we were relocating here to Georgia, by the time we moved, within weeks we had closed on our home here! Thank you and your team for a quick, smooth process. The best experience from the beginning until the end. Happy homeowners here!!
Lashay
Apr 11, 2025
Verified

Working with Joey was an absolute pleasure. She is incredibly professional, knowledgeable, and always willing to go the extra mile to help. From the very beginning, Joey made the mortgage process smooth and stress-free by clearly explaining every step and answering all of my questions with patience and expertise. I truly appreciated her guidance and support and would highly recommend Joey to anyone looking for a reliable and trustworthy mortgage professional.
Sherita
Apr 11, 2025
Verified

My experience with Ms. Joey Cummings was remarkable to say the least. She walked me through the process very thoroughly making sure I had all the knowledge that I needed about the home buying process and lending process that I needed plus some. She's very professional and thorough and I could not have asked for a better person to guide me through this process. Thank you Ms. Joey for making my first home purchase a joyful and memorable experience.
Kristy
Apr 11, 2025
Verified

My husband and I reached out to Joey to assist with purchasing a home and she made the experience exceptionally well. I previously heard all of these horror stories from other home buyers about their lenders and I was worried that we may have the same experience. However, Joey took the time to explain everything to us and we were able to close on our home in less than 30 days! We are forever grateful to Joey! Thank for helping us make our dream turn into a reality!!!

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Awards

Causes & Memberships

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