

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
Jay is one of the best loan officer Iut there.I would highly recommend him to anyone.
Jay got me to the mortgage duration and rate without points which was comparable to his nearest competitor. I've purchased and financed over a half dozen homes in just about as many states. Jay stopped to listen to my thinking via knowledge...
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I have never had a home buying experience go so smoothly. Jay was great and very knowledgeable. I would definitely recommend Jay and great team to my family and friends.
Thanks for taking the time to review everything in detail.
Jay and his team were very responsive and knowledgeable. When issues popped up, he was quick to jump in and advise the realtor so we could move forward to close. I have recommended Jay to several friends and relatives, and will continue to...
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Good communication. Timely responses.
Jay was helpful, informative, and readily available. Made my first time getting a home loan way less stressful.
Jay was very proactive. He drove the application and provided clear instructions on what needed to be done. He also explained the process very clearly and answered our questions diligently.
Jay was absolutely wonderful to work with. He was more than accommodating and took the time to walk through every detail with my husband and me, which I greatly appreciated. He responded almost instantly no matter what time of day. I would...
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Jay did a great job throughly explaining each step of the loan process. He took the time to answer all of our questions and was always available.
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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