Jay Cunningham
Senior Mortgage Loan Originator | 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
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Jay was thoughtful, funny, and paid very close attention to all details. He made finding and obtaining a loan as easy as it could be.
Jay is the BEST. Love, love, love his personality, professionalism, his follow-up and follow-through, his sense of humor, his dashing good looks....EVERYTHING. He always gets the deal done, no matter what kind of challenges we throw at him....
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We were first time homebuyers, and throughout the entire process Jay was communicating in such a way that I was able to understand everything that was happening financially and he answered all of our questions and gave us good advice/support....
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Jay is very attentive to the client and always stays in touch and take the time to be sure the client has a complete understanding of each step of the mortgage process.
The options available and running through all the paperwork.
Jay was extremely communicative throughout the process and made our home purchase very smooth. So glad we were able to purchase our first home in Michigan with Jay!
Jay and the team there made everything very easy. They were communicative and very responsive when we had questions. I never had to guess where we were in the process. It was a very smooth process.
Jay was incredibly easy to work with and very responsive when we had questions. I never had to guess where we were in the process. His team is very communicative and kept us up to date throughout the process.
Jay and his team provided great service, kept us on track, provided good information, to make sure we had everything in place for the close on our new residence.
Jay and his team were professional, knowledgeable, and were timely in answering emails and phone calls. Jay always answered my calls right away or called me back shortly thereafter.
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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 - Aug 24th, 2026
- Luminate Bank - Senior Mortgage Loan OriginatorAug 25th, 2026 - Current
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 224938