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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Thanks jay
Jay was amazing! As a first time home buyer I had a ton of questions and he was always available to help! He also called me on the day with the lowest rates in recent history and we locked in! I can't stress enough how awesome Jay was to work...
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Jay was an excellent communicator and was extremely helpful. He was always available, and never treated any question as insignificant. He walked us through every step of the process, which made for a very comfortable experience for a first...
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Jay was the one that reached out to me and let me know the interest rates had dropped enough to make an impact on my monthly mortgage payment/s, which I greatly appreciated since I do not keep track of that very often. Thanks Jay
Jay was always available and attentive - he helped us out every step of the way and with every question we had as we bought our first house. I'd highly recommend him.
Jay was the best person I could have worked with while purchasing my first home. He took the time to walk me through every little detail. His team (Mark Jo) was absolutely fantastic to work with.
You can not ask for a better Loan Officer to work with.
Despite the fact that Jay is very knowledgeable in this industry and thus the nomenclature comes natural for him, he took the time to translate all aspects so that I had complete understanding of everything.
Jay and his team were super helpful in explaining the process and what was needed. Everyone was attentive and the communication between us and Jay and his team was phenomenal. Jay was available at all times to answer any and all questions and...
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Good communication, friendly, helpful, and fast.
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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