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 is always upfront and honest. Great follow through!
Always staying in top and helping clients at all time and keeping me informed at all times which is very important to me
Communication and availability. Willingness to do what it takes accomplish a mutual goal. Thanks again Jay..
Due to the virus complicating the recent times the whole process was a process filled with many obstacles. Jay weathered the storm with us and helped us find a way to get the loan approved in time before closing! He was always available and...
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Jay always listens to his client's concerns and takes time to address them all. He also educates them about the process. I love working with Jay. He has pulled some rabbits out of a hat for me and has been able to close loans which were denied...
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Did a great job explaining everything. Really keeps in touch throughout the process!
We had the privileged to work with Jay again, once during our home purchase a couple of years ago and then now with our refi. Jay is very organized and very personable, he takes the time to explain everything in detail as needed.
Jay is very personable and takes the time to explain everything. He has gone above and beyond the extra mile with assisting us in our refi. During this pandemic and with such low rates he was able to keep our refi very stress free.
Challenging time to close. Jay did his best and it worked out well but were a few glitches and cauased some. Even though Jay and his team did what they could and in the end it all worked out was a little stressful so I cannot give the whole...
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Jay did an excellent job of keeping me in the loop! Thank you for making my transaction happen!
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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