

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
Sun
closed
Mon
8 AM to 5 PM
Tues
8 AM to 5 PM
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Reviews from Web
Timely responses. Thorough and accurate information. Most important was willingness and helpfulness in dealing with "one-off" issues.
Jay explained everything in a methodical, and easy to understand way. He was responsive and available when it was convenient for me and worked with my schedule.
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Thx Kyle congratulations on your new place.!
Jay was very open with his communication and did a great job for the client! I was very pleased to work with him!
Jay was patient and supportive throughout the entire process
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Thx Makiya.
I hope you all enjoy your new home.
Have a nice weekend.
Take care.
J
Great service and smooth process
Jay and his team were great communicating updates and quickly responded to any questions we asked. Jay's expertise made us feel comfortable throughout the process. I would highly recommend Jay and his team for any mortgage needs.
Reply from Jay Cunningham
August 31st, 2026 02:13 PM
Thanks so much for the kind words, Claudia. I hope both you and Adolfo enjoy your new place.
Take care.
J
Jay has been very professional and our realtor and attorney were very happy with his work too.
Jay was great to work with. He communicate very well and got us to the finish line for a difficult transactions. Thank you, Jay!
The follow up and urgency were always there with Jay and his team.
Jay was very communicative in the process of our mortgage. He made sure we understood all of the wording that was included in what we were signing, I certainly would recommend him to anyone wanting to have a smooth process.
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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