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Joey Cummings
Loan Officer NMLS# 1310645
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
Working with Joey was a great experience, I love her attitude she's was always pleasant, And I love the fact that she always took the time to explain every detail she never act as if you're not important to me our experience with her was such a wonderful one. I can't even put into words how happy we are being first time home buyers and she made it a great experience for us. I will always be team Joey. Thank you for a great experience.
Joey has been amazing from the beginning! After having anxiety about buying a home for years, she made me feel comfortable right away. She made sure I understood every step of the process and reached out immediately to update me of any changes. I felt confident that she had the experience and knew exactly what she was doing. She gave me honest feedback when asked. She has made this whole process less stressful. Thanks Joey!
Joey has been amazing from the beginning! After having anxiety about buying a home for years, she made me feel comfortable right away. She made sure I understood every step of the process and reached out immediately to update me of any changes. I felt confident that she had the experience and knew exactly what she was doing. She gave me honest feedback when asked. She has made this whole process less stressful. Thanks Joey!
From beginning to end. Joey and her team worked effectively and then some! I had lots of questions, concerns of course, this cheerleader kept me focused and informed., providing financial options to fit my needs. I didn't meet her personally at first. But it sure felt like I had all the way to the closing. Thank you Joey, and team your all are much respected, keep up the great work!
Joey was amazing! Being a young first time home buyer I didn’t know much but she took the time to explain the ENTIRE process to me and help me every step of the way. While having a busy work schedule and life happening she didn’t let me fall through the cracks. I wouldn’t have wanted anyone else on my team! Thank you again loving my home!!
Mrs. Cummings came to me highly recommended. This is my first time buying a home. She's is perfect in explaining everything down to the details to me and my husband. She has a awesome personality and very professional at what she does. She covered all the basics and the process went fast and smoothly. I would recommended her to anyone that's interesting in buying a home. Thank you for everything and beening patient with us.
