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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
Marie
Jul 23, 2025
Verified

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
Joshalyn
Jul 16, 2025
Verified

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.
Eddriss M
Jul 16, 2025
Verified

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!!
Eddriss
Jul 15, 2025
Augusta, GA
Verified

Everything about working with Joey was genuine , realistic, fair, and on time!!!!! She made my transaction smooth and easy!!! thank you!!!
Tonda
Jul 10, 2025
Verified

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!
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.

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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.