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
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8 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Jay was a pleasure to work with. From start to finish, he took the time to make sure we really understood the process and was available for any concerns or questions I had. He is honest, worked efficiently, thorough in every way which is hard...
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The process of refinancing was really easy and smooth. Always prompt communication and response time. This is my second time refinancing with Jay. I will definitely keep him in mind if purchasing a new home. Great job Jay.
Jay was on top of the loan from start to finish. He managed to close our sale in less than 30 days. Jay is a professional and made sure everything was done on time.
Jay made it SO easy to purchase my first home. It is initially daunting at the lingo that is thrown around in some of the documentation but Jay went the extra mile to talk us through each line. He was absolutely fantastic and went above and...
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Great communicator and always took his time with us! Made the process as seamless as possible!
Jay was extremely helpful and provided great guidance along the way. He always made himself available when we had questions or needed to talk through things. Very easy to get in contact with and never made us feel stupid in asking lots of questions...
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Professional, responsive, thorough
It was great working with jay. Getting a first time home buyer i had no clue what i was doing. Jay always made time to talk and answer all my questions. He clarified the process and made sure all things were moving at the pace i wanted. Would...
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I understand, obtaining loans etc., for refinance or for an outright purchase is a tedious job involving hours of deliberation and details. This has become more pronounced since the housing bubble burst in 2008. It was with this mindset that...
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I represented the seller on this transaction and Jay was very forthcoming with any potential obstacles and kept me informed at all times. Much appreciated!
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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