

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
First home purchase so I had no idea what was going on. Jay always called back and answered emails immediately even after the process was over. Thanks Jay!
Jay was an outstanding communicator throughout the entire process.
Jay makes sure you feel comfortable and thoroughly explains things to you on a level that you will understand.
Jay was very helpful and accomadating
Buying a home can be a stressful experience even under the best circumstances. Jay made the loan portion of home buying easy. He explained all aspects of the loan clearly, answered all of our questions and eased many of our anxieties.
Jay was always available when needed or would get back to me very quickly. He is very knowledgeable and has a great team. I would highly recommend him.
3 loan application within 1 month period and all went through smoothly with out any hiccup. What more can you ask for. I highly recommend their service. Jay went above and beyond to explain me the minor details in the process even if that meant...
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3 loan application within 1 month period and all went through smoothly with out any hiccup. What more can you ask for. I highly recommend their service. Jay went above and beyond to explain me the minor details in the process even if that meant...
read more
3 loan application within 1 month period and all went through smoothly with out any hiccup. What more can you ask for. I highly recommend their service. Jay went above and beyond to explain me the minor details in the process even if that meant...
read more
Jay made everything so easy, we are appreciative!
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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