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
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.
The ease of communication and the quickness in answering any questions that I had made the experience not as tedious and loathsone as it could have been.
Reply from Jay Cunningham
March 29th, 2026 08:17 PM
Thx Lauren!
Working with Jay is always a smooth and seamless experience. Jay and his team are a pleasure to work with and I will highly recommend them to friends and family.
Reply from Jay Cunningham
January 22nd, 2026 05:48 PM
Hi Alex
Good morning.
I just wanted to thank you for the kind words. I hope that you are transitioning nicely into your new place.
Take care
J
Jay is very helpful and always there with us step by step
Reply from Jay Cunningham
January 22nd, 2026 05:49 PM
Thx for the kind words Adolfo. It is always a pleasure working with both you and Claudia.
Take care.
J
Jay helped us when we bought our 1st and 2nd home as well as a refinance. Jay is very knowledgeable and was so helpful. He guided us through the process and was very responsive when communicating via email, phone call and text. I would definitely...
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Reply from Jay Cunningham
January 22nd, 2026 05:50 PM
Thanks for the nice review Claudia. It is always great. to work with both you and Adolfo and I really appreciate the business.
Take care.
J
Dorothy and I truly appreciated Jay's hard work an effort from start to finish. He was very helpful and constantly informing us of the next steps and what was needed. Although there was some moments of frustration, he helped keep things together...
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Reply from Jay Cunningham
January 22nd, 2026 05:51 PM
Thanks for the kind words Darryl since I really do appreciate it. I hope that you and Dorothy are transitioning nicely into your new place.
Take care.
J
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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.