

Scott Mertens
Branch Manager NMLS# 32274

At Luminate Home Loans, our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.
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Scott will have our business as long as he wants to have it. Exceptionally communicative, exceptionally timely, exceptionally diligent. In addition to being the kind of person anyone SHOULD use, he is the kind of person anyone would WANT to...
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Reply from Scott Mertens
September 22nd, 2026 03:05 PM
Thank you, Nick! I truly appreciate the kind words and everything you and Jenna shared about your experience. It was great working with you two, and I’m grateful I had the opportunity to help!
We could not have asked for a better person to work with. Scott was responsive, helpful, and kind. He took the time to go through countless things with us, big or small, that we didnt have experience with being first time home buyers. He gave...
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Reply from Scott Mertens
September 22nd, 2026 03:03 PM
Thanks, Jenna! Buying your first home can feel like a lot, so I’m glad I could help make the process a little easier! It was a pleasure woprking with you guys. Congratulations!
Scott was great to work with throughout the entire mortgage process. He was responsive, easy to communicate with, and always willing to explain things clearly whenever I had questions. He made the process feel much less stressful and kept everything...
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Reply from Scott Mertens
September 22nd, 2026 02:49 PM
Tommy, thank you! I really appreciate all the kind words and am glad I could help make the process a little easier. It was a pleasure working with you, and I hope you’re loving your new home!
⭐⭐⭐⭐⭐As a REALTOR®, I've had the pleasure of working with Scott on a recent transaction, and he was outstanding from start to finish. He was consistently responsive, communicative, and proactive, keeping everyone informed throughout the process....
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Reply from Scott Mertens
September 21st, 2026 09:35 PM
Thank you so much, Heidi! I appreciate you taking the time to write such a thoughtful review. Looking forward to working together again!
Scott Mertens has received a review with 5 star rating from Amanda B
This process seemed seamless! Even when I was unsure about something or overwhelmed with paperwork, Shawn and Scott were there to help.
Reply from Scott Mertens
September 22nd, 2026 03:21 PM
Thanks so much, Amanda! I’m glad we were able to make everything come together. Congratulations, and enjoy the new home!
Scott and his team are outstanding, responsive and true professionals. My clients and I have worked with Scott many years and he continues to excel my expectations every time! I highly recommend him.
Reply from Scott Mertens
September 22nd, 2026 03:20 PM
Thanks so much, Mary! It was great working with you on this one, and I really appreciate you trusting me with your clients. I hope we get the chance to work together again!
Very knowledgeable and great communication. Thank you!
Reply from Scott Mertens
September 22nd, 2026 03:15 PM
Thank you, Meghan! I’m glad I could help. Looking forward to working together again!
Scott was very informative, helped with timelines, documents and terminology in such a way that I felt very little stress. He attended the closing meeting to confirm everything looked right. Scott made it all very streamlined and
Reply from Scott Mertens
September 22nd, 2026 03:13 PM
Thank you, Isaiah! I’m glad we could get everything across the finish line in a smooth manner. Congratulations!
Scott walked us through each step of the process in a way that was in depth and open. He gave us options when we needed them and worked very well with our realtor. We had a great experience. We did have a few instances where we had a query...
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Reply from Scott Mertens
September 22nd, 2026 03:07 PM
Thanks so much, Kate! I really appreciate the thoughtful review and the feedback. I’m glad we were able to make the process a great experience, and I’ll definitely keep your comments about communication and response times in mind. It was great...
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About
At Luminate Home Loans, our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Construction Loan
USDA Loans
DSCR Loans
Bank Statement Loans
Mortgage Lender
Home Renovation Loan
Reverse Mortgage
Cash-Out Refinances
Non-QM
Mortgage for Foreign Nationals
Profit & Loss Only Mortgage
ITIN Mortgage Loans
Bank Statement Mortgages
Specialities
Mortgage Lending
FHA Loans
VA Loans
Government Loans
Purchase Loans
Refinance Loans
First Time Homebuyer Loans
Conventional Loans
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Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 32274
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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