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
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
Sat
closed
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Reviews from Web
Jay is what made it so great - we have worked with him many times and will continue to
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Kristen- Thx for the kind words and repeat business since I really do appreciate it. Enjoy your new digs!
Take care
J
Jay always keeps me informed and explains everything at the level I need. Further, Jay goes above and beyond to resolve issues for us. We're in good hands with Jay.
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Always a pleasure working with you Dan.
Have a nice weekend.
Enjoy
J
Jay is fantastic at explaining details and has a lot of patience to help answer questions
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Thx for the kind words and trust letting me have the opportunity to finance another home for you all. Enjoy your new place.
Take care
J
This was our second purchase with Jay and he has been fantastic to work with both times!
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Nolan & Kelly-
Good morning & thanks for the review since I really do appreciate it.
If I can ever assist you, a friend or another family member in the future, please let me know.
Enjoy your new place!
Take care.
J
Jay is very professional and makes the home buying process straightforward. I appreciated his attention to detail, and that he could always find us the answer when we were uncertain on something. His team were amazing too! Jay is also very...
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Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Kaylie
Good morning
It was a pleasure being able to help with your first home purchase. I hope the transitioning into your new home is going well. Enjoy.
I
Jay made the whole process extremely smooth, pleasant, and easy! Will recommend to any friends or family.
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Hi Sam & Kaylie-
Thanks again for your business and the kind words. It was a pleasure working with you both. Enjoy your new home.
Take care.
J
Jay first of all became a friend , he was professional with out being at all pushy. I was able to feel confident about all our decisions we had to make. He really made this a fun and insiteful experance .Hes going to get a christmass card..........
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Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Thanks for the kind words since I really doappreciate it. Enjoy your new place. Take care.J
Jay made everything simple. And simplicity is the ultimate sophistication. Enough said :)
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
I'm thrilled to hear that you found the process simple and straightforward, Aleksandar! Your words about simplicity being the ultimate sophistication truly resonate with me. Here at First State Mortgage, we strive hard to make conventional...
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Jay simplified the process
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
I'm thrilled to hear that you found the process straightforward, Jack! It's always my goal to make things as simple as possible for our clients here at First State Mortgage. I really appreciate your generous 5-star rating. Should you need any...
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Thanks Jay for everything you did to make this a seamless transaction for my client Jack Sullivan! Happy Holidays, Stacie Kimberley
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
I'm thrilled to hear that you had a smooth experience with your client Jack Sullivan's transaction process, Stacie. Ensuring that all operations run seamlessly is a top priority here at First State Mortgage. Your kind words and the perfect...
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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