

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
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
Sat
closed
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Reviews from Web
Jay was always very prompt with communications and thorough with his explanations. The whole process went very smoothly.
Jay was very helpful and patient throughout our mortgage application process. I really appreciated the time he gave us, and answered all our questions as we went along, giving us pros and cons in different areas of the application and what...
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Jay was helpful throughout the process. Answering all our questions either by phone, text or email.
J was very helpful in getting this mortgage application completed, it took us quite a while but we finally made it thanks to all Jay's help
Very prompt and communicative. Out of area for my clients but would recommend to anyone looking in that area.
The amount of individual time I received to understand my loan and contract.
Jay was very helpful. He answered all our questions and was very prompt and responsive. He took the time to go over every and all details. Would definitely recommend him.
There was very little communication. I had to chase people multiple times before I got the answers to even the simplest questions. They were very late with documents and as a result we almost had to delay our closing.
Jay and his team were excellent to work with especially in a tight time frame
Very Pleasant and reliable. Was there every step of the way. Ready to answer any question without hesitation. I give Jay two thumbs up.
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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