

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 Cunningham and his team have been helpful, prompt, responsive and straightforward in every respect. I couldn't ask for better. This is already the second time I worked with them and I will gladly do so again in future.
Jay was very responsive to any questions and very professional. Answered all our concerns and did a great job!
Jay is the MAN. Very carful, Through, Patience
Jay and his team have made both my home purchase and my refinance easy and painless. Jay was referred to us by our agent when buying our home and he saved us his advice saved us thousands over another mortgage broker we were going to use. Jay’s...
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Communicated well with the group to get to the closing table, wished we would have known about the second appraisal requirement little sooner but worked out fine, thank you!
Jay is awesome. He took the time to explain everything in its entirety, he gave great details, examples, and displayed unlimited patience and kindness. Jay was readily available to answer questions and returned all calls and emails almost immediately,...
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Jay is a great guy and will respond to your questions right away. I have been using Jay for many years and I will continue to use him. His fees are responsible and he will not just get you into a mortgage or a refinance unless is makes sense...
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Jay is very responsive.
Less people giving and waiting information from me. And a lot quicker to getting things done and getting to the closing.
Jay responded to questions etc quickly and efficiently.
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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