Jay Cunningham
Senior Loan Officer | NMLS# 224938
Jay Cunningham has been a part of the First State Mortgage team since 2011. With more than 24 years of extensive and in-depth experience in the real estate and finance industries, Jay has helped thousands of borrowers acquire their American...... Show More
Location & Business Hours
Business Hours
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
We had a great experience working with Jay. He was knowledgeable, professional, and extremely responsive throughout the entire process. What really stood out was how quickly he handled our last-minute request for a pre-approval letter. He responded...
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Reply from Jay Cunningham
June 17th, 2026 02:27 AM
Hi Julie
Thanks for the kind words and I really do appreciate the repeat business. Enjoy your new place and hope to see you in the spring.
Take care.J
Jay was great to work with. He is very knowledgeable and walk us through every step.
Jay is the best load officer i have ever worked with. It has been a pleasure to work with him and his team. They are responsive, professional and work outside normal hours to help all our questions and concern. Would recommend to anyone that...
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Reply from Jay Cunningham
June 10th, 2026 09:45 PM
Hi JiaanThanks so much for the kind words since it was my pleasure to work with both you and Lee. I hope you both really enjoy your new home and if I can ever help you, a family member, or a friend in the future just let me know.Take careJ
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Jay is evry attentive, understanding, knowlegable, patience,and down to earth.
Reply from Jay Cunningham
June 17th, 2026 02:28 AM
Thx Lee
J
Jay had amazing follow up and provided great financial information regarding how to structure my client's loan. I would absolutley recommend him to new Buyers, family, and friends!
Jay was EXCELLENT, efficient, responsive, and very EASY to work with from the contract to the closing! I would HIGHLY recommend Jay and First State Mortgage!
The communications through the whole proces.
Jay and his team are knowledgeable, creative problem-solvers and very kind. They helped walk me through an unexpected move with so much kindness and always available to answer questions. Thank you!
Reply from Jay Cunningham
April 24th, 2026 02:12 PM
Hi Jennifer Thanks so much for the nice review. It was a pleasure working with you and I hope things settle down a little bit for you sooner than later. Enjoy your new place. If I can ever help you, a friend or family member in the future,...
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The communication and follow through was phenomenal. We felt very comfortable working with Jay and his team.
Reply from Jay Cunningham
March 29th, 2026 08:16 PM
Thx Jarrod.
If I could ever help in the future, just let me know. Thanks so much for the repeat business since I really do appreciate it.
Take care.
J
Jay making himself available and making this no in person experience comfortable for me.
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About
Jay Cunningham has been a part of the First State Mortgage team since 2011. With more than 24 years of extensive and in-depth experience in the real estate and finance industries, Jay has helped thousands of borrowers acquire their American Dream. Featured in Metro Chicago Real Estate magazine as one of Chicagoland’s leading loan originators, Jay has been the highest producing originator in his office since transitioning from the real estate industry over 17 years ago. Recently he was honored as one of the company’s “Top Ten” originators nationwide.
Jay takes great pride in the fact that every customer is treated with respect regardless of their financial profile.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Adjustable Rate Mortgages
USDA Loans
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Positions
- First State Mortgage - Senior Loan Officer NMLS# 224938Jan 1st, 2001 - Current
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 224938
Disclaimer
© 2026 First State Mortgage, a subsidiary of First State Bank (NMLS# 172606), Member FDIC, Equal Housing Lender. First State Mortgage Services, LLC state licenses: New Hampshire Banking Department License #: 16645-MB; Department of Business Oversight under the California Residential Mortgage Lending Act License #: 4131143; and by Arizona Dept. of Financial Institution AZ license #: 0920024.