About Zack Duncan

I was born and raised in Portland, Oregon. I love living here. I grew up watching the Blazers, and I'm a huge Duck fan, especially football. I attended the University of Oregon where I met my beautiful wife, Melanie. My wife was born and raised in Hawaii. It is a privilege for us to stay with family and visit with friends twice a year. Together we have two amazing daughters, Leina'ala (9) and Zoe (7). They light up our lives and we make it a point to have lots of family time close to home. We live and work in Lake Oswego, so it's important for us to support the schools and local businesses.


I started off with a small broker in Portland. I spent the next 4 years learning the industry, refining my sales, learning to not only ask for business, but keeping it. I spent the next 4 years at Alpine Mortgage where I utilized mortgage planning as a competitive advantage and built a sales team. I was at Cobalt Mortgage for the next 4 years where I created a community outreach program, overseeing charitable activities and sponsorships. While there, I became a team leader, hosting weekly meetings and finding ways to motivate and retain our sales people. I eventually moved over to PRMI as a branch manager focused on recruiting, hiring, leading, and producing.

Choose the Right Home Loan Expert

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing.

Through working with New American Funding, a Direct Lender, I have continued to be one of the most knowledgeable Loan Officers in Oregon.

When working with myself and New American Funding you’ll receive:

  • Expert advice and support in making your home financing decisions
  • A full spectrum of loan products from which to choose
  • Consistent communication and follow up throughout the loan process from myself and New American Funding's in-house operations team
  • The fastest turn times in the industry

Please give me a call today for answers to any of your home financing questions. I would be more than happy to offer my professional advice.


Click here to check out my reviews


Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews


You're In Good Hands!

4.94/5 Based on 469 reviews
5/5

Jeremiah Mattson

Transaction Completed:
4/29/2026

"Second time I’ve used Zach and his team for a loan. He’s a great communicator and really works to make things smooth and easy for his clients. Highly recommended."

5/5

Jeremiah Robert

Transaction Completed:
4/29/2026

"Zach is a great communicator and works to make things as easy as possible for the borrower"

Eugene, OR
5/5

Gretchen Rose

Transaction Completed:
4/28/2026

"We had an absolutely amazing experience working with Zack and his team! From start to finish, they were nothing short of exceptional. Zack leads with professionalism, integrity, and a level of expertise that immediately put us at ease. His team operates like a well-oiled machine—organized, responsive, and always one step ahead. Every detail was handled with care, and we were kept informed throughout the entire process, which made what could have been stressful feel seamless and manageable. What truly stood out was how much Zack and his team genuinely cared. They took the time to answer every question, offered thoughtful guidance, and consistently advocated for us every step of the way. We always felt like we were in the best hands. Their dedication, communication, and commitment to excellence are unmatched. We are beyond grateful for everything they did to help us reach the finish line smoothly. If you’re looking for a team that goes above and beyond and delivers an outstanding experience, Zack and his team are simply the best!"

Eugene, OR
5/5

David Baslaw

Transaction Completed:
4/23/2026

"Much thanks! Dave"

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

Pathway to HomeOwnership

Are you Ready?


At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.


What is the Pathway to

Homeownership Initiative?


The Pathway to Homeownership offers qualified borrowers in select areas up to $6,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.

This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

Get started today!

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NAF Cash Can Turn You into a Cash Buyer

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Purchase trends across the country

With NAF Cash, you can make a competitive, true cash offer that is not contingent on financing and close in little as seven days without having to sell your current home first.

Company Culture

NAF360 is our commitment to 360 degrees of trust and respect

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS

Your Gateway to Enhanced Real Estate Success

Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.

Why Choose NAF Connect?

  • Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals

  • Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device

  • Marketing Made Easy: Leverage co-branded marketing materials to boost your presence and impress clients

Ready to elevate your real estate game?

Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity

Location

New American Funding

Clackamas

12550 SE 93rd Ave, Suite 350
Clackamas, OR 97015

Direct: 503-347-5212

Email: zack.duncan@nafinc.com

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