

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 and his team have been helping us now with two home purchases and it’s always smooth and easy.
Communication was excellent and the team really pushed it through quickly after delays from the buyer's CPA. They made it look easy, but I know it wasn't.
Jay was great to work with! Very knowledgeable and transparent, and answered every question I had throughout the process which was extremely helpful for a first time home buyer. I would highly recommend him to anyone looking to purchase a home....
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Clear, thoughtful and thorough presentation and follow through service.
The team made my process of getting a home so wonderful with little stress!
Jay is great to work with and made sure we were well-informed during the entire process.
Excellent responsiveness from Jay and Jay's willingness to review the documents line by line is always appreciated.
Jay is the Best! Thorough, professional, available, responsive, caring and kind. Always looking out for the best interest of my clients. He is definitely my go to lender.
Excellent responsiveness from Jay and Jay's willingness to review the documents line by line is always appreciated. His team worked diligently to ensure all documents from insurance / condo association were collected in a timely manner for...
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Buying a home is an intimidating and overwhelming experience but with Jay he kept our minds at ease the whole time. He educated us, prepared us, elevated us, and worked with us. He was always available, no matter what time, and treated us with...
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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