

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
I very much appreciated that fact that the process was simplified for me and that Jay and His team were prompt, professional, and friendly. All in all, an excellent experience.
Jay was always very quick to respond to emails and questions and always very informative and gracious.
Personalized service and very detail oriented.
Jay was very deliberate in making sure we understood everything, and personally talked through the whose loan application and process. His Team was very communicative in asking and reminding us what we needed and when. We did not have to waste...
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Jay and his team was patient with us as new home buyers, especially when we didn't know what to expect and how things worked, he and his team were extremely patient with us and guided us every step of the way. There was constant communication...
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A great professional to work with!! Always reachable, answered all questions, ready to help and kept me informed during whole loan process. Closed on time and right from the beginning made me feel that I am in good hands. THE BEST ONE in the...
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Responsiveness of Jay's whole team was great
We closed on time, promised and delivered!
Jay consistently over exceeds my expectations with his knowledge of the mortgage industry, his ability to provide my buyers with wonderful mortgage rates, and his phenomenal customer service. He is personal, professional, and consistently follow...
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I would recommend Jay to any one - - Great communication and follow up!!
This was our first investment property and Jay made the process very easy.
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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