CS Team
Mortgage Loan Originator
The CS team takes a holistic approach to mortgage planning, aligning your loan with your overall financial goals. As Certified Mortgage Planning Specialists, they draw on expertise in taxation, estate planning, insurance, and real estate to... Show More
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closed
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8 AM to 6 PM
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Reviews from Web
Amy Bell is amazing, Friendly and so helpful. She is a gem. I have already told several friends about her.
We were on a short fuse and Amy Bell, who we have done business with before, was able to pull this mortgage together in an amazing short time. She was very clear in what we needed to pull together. Being retired presents some unique issues...
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Reply from CS Team
September 9th, 2026 01:22 PM
Thank you so much for your kind words, Wayne! We were glad to help and it's always been a pleasure working with you!
We were on a short fuse and Amy Bell, who we have done business with before, was able to pull this mortgage together in an amazing short time. She was very clear in what we needed to pull together. Being retired presents some unique issues...
read more
Reply from CS Team
September 9th, 2026 01:23 PM
Thanks so much, Wayne! We appreciate you and are always glad to help!
Amazing team that is knowledgable, communicative, and thoughtful. Would highly recommend to anyone interested in getting a mortgage product!
Reply from CS Team
August 17th, 2026 01:43 PM
Thank you so much for your kind words! We enjoyed working with you and hope you love your new home!
I have successfully completed several new purchases and refinancings with the team at Luminate, beginning when it was Apex Home Loans. The patience and clarity of Amy’s explanations and clarifications, her rapid response to glitches and confusions,...
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Reply from CS Team
August 17th, 2026 01:47 PM
We appreciate you, Tony! Great customers like you are why we love what we do.
I have successfully completed several new purchases and refinancings with the team at Luminate, beginning when it was Apex Home Loans. The patience and clarity of Amy’s explanations and clarifications, her rapid response to glitches and confusions,...
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What a great experience we had working with the CSTeam. Our refinance experience was painless, in part due to the technology used, but most of all due to the attention, professionalism, guidance, and knowledge of the team.It really was a pleasure...
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Reply from CS Team
August 17th, 2026 01:45 PM
Thank you so much for your feedback, Earl! It was a pleasure working with you!!
In a volatile sellers market, every penny counts. Despite details and interest rates changing daily, our loan officer was able to create as much certainty as possible while accurately and objectively communicating risks to ensure my husband...
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Craig and the team were so attentive and responsive almost 24/7, they were key in helping us secure our home at a great rate in such a competitive market.
We have refi’d with Craig/ Apex three times. Every time we have received the lowest rate with top rate service and support. Great service and responsive team
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About
The CS team takes a holistic approach to mortgage planning, aligning your loan with your overall financial goals. As Certified Mortgage Planning Specialists, they draw on expertise in taxation, estate planning, insurance, and real estate to guide long-term strategies—not just 30-day transactions. The CS team equips clients with tools for ongoing mortgage management and maximizing home equity. Certified Divorce Lending Professionals (CDLP), they specialize in guiding clients through divorce-related real estate decisions.
Products & Services
Mortgage Loan Officer
FHA Home Loan
Conventional Home Loan
Mortgage Refinance
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
DSCR Loans
Cash-Out Refinances
Bank Statement Mortgages
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Positions
- Luminate Home Loans, Inc. - Federal Mortgage Loan Originator
Memberships
- NMLS
- Economic Club of Greater Washington
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1995
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 199792
Hobbies
- Traveling
- Reading
- Spending time with Family
Disclaimer
Luminate Bank is an Equal Housing Lender | Member FDIC
Luminate Bank | NMLS ID #1281698
2523 S Wayzata Blvd. #100 Minneapolis, MN 55405 | Phone (952) 698-3300
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