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
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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 was supported every step of the way on this journey with us. No question was dumb or too small. Jay and his team were a pleasure and got this loam all handled quickly and professionally.
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Niki
Thanks for the kind words
I hope that you and Li enjoy your new home😊
Take care
J
Niki
Jay communicated throughout the entire process and kept me updated on the progress of the loan and important deadlines. Jay was extremely responsive to my emails, texts, and phone calls. Jay provided several loan options and took the time to...
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Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi JimGood morning and thanks for the kind words. It was a pleasure working with both you and your wife as well as Amanda and Cameron over the past two loan transactions. I really do appreciate your business. Have a nice fourth.Take careJ
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Amazing customer service. friendly and engaging. very helpful and willing to go the extra mile
Jay, I wanted to extend my sincere gratitude for your exceptional support throughout our recent home-buying process. Your consistent and informative communication made all the difference, especially given the swift timeline of our closing.Your...
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Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Emma & Colin- I really wanted to thank you for your positive feedback regarding your experience. A lot of the success has to deal with you all in regard to submitting the documentation in the timely manner. You both were a pleasure to work...
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Jay did an incredible job keeping us informed throughout the home buying process. His knowledge and availability made the process smooth without issues. I would highly recommend him and hus team.
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Jarrod- Thx so much for the positive review since I really do appreciate it. If I can ever be of any assistance in the future, please let me know. Enjoy your new place.
Take care.
J
Uploading the documents and understanding what items were needed from me, were so helpful.
Jay is wonderful! This is my second home buying expereince with him, and he's always attentive, quick to respond, and dedicated to helping you understand the full process.
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Andriana, thanks again for having trusted me with doing your home financing since I really do appreciate it. Hopefully you and Jonathan our transitioning nicely into your new place.
Take care.
J
Jay was always in communication with me and he took the time to explain to detail all the questions I had about the complex process of buying a house .
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Diego-thanks for the kind words. I hope that you are transitioning nicely into your new place. Take care.
J
Our experience with Jay was extremely pleasant. Jay is very knowledgeable, insightful, comforting, and compassionate about his work and providing thorough details to his clients. We are very happy to have gotten our loan with Jay and will continue...
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Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Tobi
Thanks for the kind words and enjoy your new home.
All the best!
J
Jay is the best. He is extremely helpful and was able to understand my situation with multiple pieces of real estate. I have already recommended him to a few people looking for a broker. I plan to use him for all my future deals going forward....
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Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Thx for the nice review Theo since I do appreciate it.
You are great to work with since you are so attentive:)
Thx again
J
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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