

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
After a long drawn out process with a previous lender, Jay and his team took up our loan last minute and got the job done in 3 weeks. Jay made himself available late into the night to communicate what was still needed, and explain the process....
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Provided competitive rates and costs, and was extremely responsive throughout the refinancing process.
Jay is helpful in offering advice and answering questions. We have used Jay’s services in the past and will use his services again in the future.
The entire refinance process was simple and fast. Jay and Bryson were great to work with.
The only suggestion I have is to provide a timeline of the refinance process and a few instructions for each step.
Thanks!
Jay was able to expedite the process which helped in moving timing.
We have worked with Jay several times over the years and will always go back to refi or on our next mortgage!! Keep up the amazing work!
Easy and professional
Jay was fantastic!
Jay went above and beyond to close this deal on time. He was always communicative and honest and pushed hard to do his best. And he did!
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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