• Home
  • About
    • Leadership Team
    • Homebuying Process
    • Careers
  • Meet Our Team
  • Loan Products
  • Resources
    • Manage Account
    • Mortgage Calculator
    • eHome
    • Contact Us
    • Purchase
    • Refinance
    • New Construction
    • Homebuying 101
    • On Time Guarantee
Menu
  • Home
  • About
    • Leadership Team
    • Homebuying Process
    • Careers
  • Meet Our Team
  • Loan Products
  • Resources
    • Manage Account
    • Mortgage Calculator
    • eHome
    • Contact Us
    • Purchase
    • Refinance
    • New Construction
    • Homebuying 101
    • On Time Guarantee
Apply Now
[wd_asp id=5]
Apply Now

Mortgage Loan Originator

hello, i'm Duncan Cairns

I'm here to help you achieve your homeownership dream. I promise to keep you informed and guide you through the homebuying process. I'll be with you every step of the way.

APPLY NOW

I'm here to help you achieve your homeownership dream. I promise to keep you informed and guide you through the homebuying process. I'll be with you every step of the way.

APPLY NOW

Duncan Cairns

Mortgage Loan Originator
South Bend, IN
54505 26th Street, Suite F
South Bend, IN 46635
NMLS #145521
IN – DFI MLO: 13499 | MI – DIFS MLO: 145521 
office 574.243.9515
cell 574.309.6958
fax 574.273.0024
EMAIL
dcairns@1hallmark.com
Facebook-f Twitter Linkedin-in Instagram
  • About Me
  • Testimonials
I am a lifelong area resident, having attended Elkhart Memorial High School and Purdue University. My career in the mortgage industry began shortly after earning my degree in 1989. It has been my pleasure helping people achieve the dream of home ownership ever since.

Hallmark customers can depend upon my 20+ years experience in the mortgage field. I enjoy sharing my knowledge in a wide array of lending products including conventional, FHA, VA, and USDA rural development loans. I also have extensive experience with Indiana’s first-time homebuyer program.

I make it my goal to ensure that the home financing process is as simple and straightforward as possible for every client. I commit myself to making sure that everyone I work with understands the loan process and knows what to expect.

Customers will benefit from the Hallmark Home Mortgage system, featuring a team that allows for excellence in all areas of the loan process. In addition, all processing and underwriting is done in house to ensure your loan will be handled quickly and in an efficient manner.

Whether you are a first time or experienced homebuyer, I look forward to answering all of your questions and earning your business.
Let's chat

4.927

☆☆☆☆☆ 4.927/5
211 REVIEWS
5.00

"Duncan is very knowledgeable and is willing to be transparent about the entire process. He is always willing to answer questions, no matter if it is the same question for the 5th or 6th time. Most of all, through his meticulous and creative navigation of the mortgage process, especially during a time of heightened rate volatility, Duncan did not give up and ultimately secured the finances for the home we are so happy to have now. We did not need to settle for anything less."

Eric V. - South Bend, IN

November 14, 2022
5.00

"The communication we received from Duncan was amazing. He was always there when we had questions, which were few considering he was very informative. His commitment to helping us build our future is something we will never forget. 10/10!"

Brett S. - South Bend, IN

October 11, 2022
5.00

"Duncan was very thorough with explanations and making sure I understood all of the numbers. He was also always available anytime I had questions or concerns."

Jordan N. - South Bend, IN

October 10, 2022
I am a lifelong area resident, having attended Elkhart Memorial High School and Purdue University. My career in the mortgage industry began shortly after earning my degree in 1989. It has been my pleasure helping people achieve the dream of home ownership ever since.

Hallmark customers can depend upon my 20+ years experience in the mortgage field. I enjoy sharing my knowledge in a wide array of lending products including conventional, FHA, VA, and USDA rural development loans. I also have extensive experience with Indiana’s first-time homebuyer program.

I make it my goal to ensure that the home financing process is as simple and straightforward as possible for every client. I commit myself to making sure that everyone I work with understands the loan process and knows what to expect.

Customers will benefit from the Hallmark Home Mortgage system, featuring a team that allows for excellence in all areas of the loan process. In addition, all processing and underwriting is done in house to ensure your loan will be handled quickly and in an efficient manner.

Whether you are a first time or experienced homebuyer, I look forward to answering all of your questions and earning your business.
Let's chat

4.927

☆☆☆☆☆ 4.927/5
211 REVIEWS

 | View All Reviews

5.00

"Duncan is very knowledgeable and is willing to be transparent about the entire process. He is always willing to answer questions, no matter if it is the same question for the 5th or 6th time. Most of all, through his meticulous and creative navigation of the mortgage process, especially during a time of heightened rate volatility, Duncan did not give up and ultimately secured the finances for the home we are so happy to have now. We did not need to settle for anything less."

Eric V. - South Bend, IN

November 14, 2022
5.00

"The communication we received from Duncan was amazing. He was always there when we had questions, which were few considering he was very informative. His commitment to helping us build our future is something we will never forget. 10/10!"

Brett S. - South Bend, IN

October 11, 2022
5.00

"Duncan was very thorough with explanations and making sure I understood all of the numbers. He was also always available anytime I had questions or concerns."

Jordan N. - South Bend, IN

October 10, 2022
5.00

"The knowledge and guidance I received was was helpful to keep the process on track and to help me make informed decisions."

Alexandra K. - Columbus, IN

January 18, 2023
5.00

"Loan process was so smooth and it was faster than expected! They are a great team to work with!"

Lakrissa T. - South Bend, IN

January 15, 2023
5.00

"Ryan answered all my questions. Ryan was available whenever I needed him. Ryan and staff were prompt and assisted me through every step. The experience was amazing and I will use Ryan again and refer my friends to him."

Cara Q. - Vincennes, IN

December 30, 2022

MORTGAGE CALCULATOR

Estimate MY MONTHLY PAYMENT

0.00

Monthly Payment

$0.00

Total Interest Payable

$0.00

Total of Payments
(Principal + Interest)

$0.00

Monthly Payment

$0.00

Total Interest Payable

$0.00

Total of Payments
(Principal + Interest)

$0.00

Your mortgage

Apply Now

Find a loan expert

Manage your account

company

Contact us

Careers

lending options

Mortgage calculations

Mortgage basics

COMPLAINT AND LICENSING INFO

Complaints may be directed to Hallmark Home Mortgage at 855.249.7731 or an email may be sent to: complaints@1hallmark.com

Corporate NMLS:53441 | NMLS Consumer Access
Security & Privacy | Disclosures and Licenses

CORPORATE CONTACT

7421 Coldwater Road Fort Wayne, IN 46825
888.490.1428 | 260.469.0900

Hallmark Home Mortgage, LLC (NMLS # 53441) is an Equal Housing Lender. Hallmark Home Mortgage is not endorsed by any government agency. Reviews and comments have been submitted by customers voluntarily, are solely the views of such customers, and have been screened by Hallmark Mortgage LLC prior to publication in accordance with our guidelines. Customers were not compensated for their reviews/comments but were informed that the submittals may be used in Hallmark Mortgage LLC advertising. Hallmark Home Mortgage, LLC (NMLS # 53441) is not licensed to originate in all states. All rights reserved. NOTICE: All loans are subject to credit, underwriting, and property approval guidelines. Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. This is not a commitment to lend nor an offer to enter into a rate lock agreement. Terms, conditions and programs are subject to change without notice. Certain limitations apply. Contact us for additional details. Not all offices are licensed in all states. Visit: https://www.hallmarkhomemortgage.com/disclosures for complete licensing information. Through UnitedHealthcare, UMR and HealthSCOPE Benefits creates and publishes the Machine-Readable Files on behalf of Hallmark Home Mortgage. To link to the Machine-Readable Files, please click on the URL provided: https://transparency-in-coverage.uhc.com

Menu
  • Home
  • About
    • Leadership Team
    • Homebuying Process
    • Careers
  • Meet Our Team
  • Loan Products
  • Resources
    • Manage Account
    • Mortgage Calculator
    • eHome
    • Contact Us
    • Purchase
    • Refinance
    • New Construction
    • Homebuying 101
    • On Time Guarantee