

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
Fri
8 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Jay is so amazing. We have been using Jay for years. Even went so far as to use him with our home purchase in Virginia. We purposely stayed out of Maryland so we could use Jay as our broker. 10 star personality, sense of humor, communication,...
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You did get back to us in a very timely mater. The process of not knowing the forms and statements needed and repeatedly needing more statements during the process was not very reassuring on the knowledge of what is needed. I am still getting...
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Hard working guy always on top of things
Availability
Jay Cunningham has always provided excellent, timely, friendly communication and great help; we've worked with him on five mortgages and two refinances, so we must think highly of him!
Prompt communication and followed up with me regularly
This was our second time using Jay. Jay and his team are great at what they do. They make the mortgage process easy and always closed on time for both transactions. I would definitely use him again and I would recommend Jay to anyone who needs...
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Everything! From start to finish, Jay's constant communications made me feel 100% in the know.
More communication
Jay was attentive and detailed from start to finish of the process. I would highly recommend Jay to anyone!
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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