Contact Duncan Cairns
Hallmark Home Mortgage, LLC, NMLS # 53441 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. Terms, conditions and programs are subject to change without notice. Certain limitations apply. Contact us for additional details. Hallmark is licensed in Colorado, Florida, Indiana, Kansas, Kentucky, Michigan, Minnesota, Wisconsin and Ohio: Corporate OMBA Registration # MB.803976.000, OMLA SM.501639.000; Columbus, OH: OMBA MB.803976.002, OMLA SM.501639.001; Toledo, OH: OMBA MB.803976.003, OMLA SM.501639.003; Indianapolis: OMBA MB.803976.004. Visit https://www.nmlsconsumeraccess.org/ for further information on Hallmark’s Mortgage Loan Originators’ licensing.
About Duncan Cairns
"One of the main reasons that I enjoy being a loan originator is that I get to assist a wide variety of people with their home loans. First time home buyers can be intimidated by the financing process. Credit challenged buyers may think that there’s no way they’ll ever be able to get approved for a loan. Experienced home buyers just want their transaction to close as smoothly and quickly as possible. Educating first time buyers about mortgage loans to help reduce the stress they feel while completing their home purchase. Taking the time to help credit challenged buyers build their credit, and using the knowledge gained in my 20+ years in the mortgage industry to get them qualified for a loan much more quickly than they thought possible. Showing experienced buyers that Hallmark’s Quick To Close program can help them go from application to closing in just a few weeks. I feel quite fortunate to have the opportunity to assist people in each of these and other scenarios."