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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
This was my first home buying experience and Joey was excellent! She explained everything to me she got me in touch with all the connections I needed. We ran into a few obstacles but Joey did everything to fix it. We got to even close a few days earlier than the initial closing date. She made me feel like family she is very sweet, smart and personable. I would recommend anyone to Joey!
This was my first time home buying experience and Mrs. Joey was absolutely amazing! They made the process so smooth and quick. Yes we ran into a few obstacles but Joey went above and beyond to figure it out! We had a couple problems with the home insurance and they were taking to long to process and were giving me the run around but she got on the horn and she told them in a stern professional way about themselves but I am here to tell you they sent them documents right on over! She is sweet and personable she listens to you treats you like family. Her team was on it and very helpful and nice. They even got me a house warming gift. They really met all my needs.
It was a pleasure working with Mrs. Cummings as a new homeowner! She came highly recommended, and I'm glad she did. She was professional, thorough, and patient in the process. She worked diligently and stayed on top on things to make sure everything was done in a timely manner. I appreciate that she was detailed and honest in what to expect in the process, and I have learned a lot about homeownership. I'm thankful she was about of my dream team! I would in return highly recommend her to the next home buyer.
Mrs. Cummings did an excellent job throughout the process of buying my home! Having Mrs. Cummings in my corner as a new homeowner was reassuring and beneficial. It was truly a pleasure having her on my team!
I had the pleasure of working with Joey for my recent home purchase, and the experience was outstanding from start to finish. She was very knowledgeable, responsive, and truly went above and beyond to guide me through every step of the loan process. Communication was always clear and prompt — no question was ever too small, and she made sure I understood my options so I could make the best decisions. Her professionalism and dedication made what could have been a stressful process feel smooth and manageable. Because of her expertise and support, I was able to close on my new home with confidence. I highly recommend Joey to anyone looking for a loan officer who is both personable and committed to delivering excellent results.
Had an amazing transaction with Joey. I love her tenacity, thoroughness and professionalism as she serve all her clients. Joey provides details and ensure my customers understand the homebuyer process. She’s creative, prompt and trustworthy. I enjoy working with her!
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