

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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Wonderfull experience from beggining to end. Scott is so friendly and knowledgeable of the loan process. He responds quickly and always makes sure that you feel as though you are his only client. Highly recommend Scott if you are looking to...
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Reply from Scott Mertens
April 13th, 2026 08:59 PM
Thank you so much, Linda! It means a lot — really glad I could make things a little easier. Don’t hesitate to reach out if you ever need anything.
Scott was receptive and on the ball. He answered the whenever we called. He was straight to point and told us exactly how the process would go. Boy did we make him work for this one. As stressful as the home buying process is, Scott is a bright...
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Reply from Scott Mertens
April 13th, 2026 09:10 PM
Thank you Andrew — I really appreciate it.
I know this wasn’t the easiest transaction, so it means a lot that you trusted me and the team to help get it done. Always here if you need anything moving forward.
Very thorough, excellent communication, outstanding problem solving. I look forward to working with Scott again.
Reply from Scott Mertens
April 13th, 2026 09:26 PM
Appreciate this, Greg! I’m glad everything came together smoothly. I’m always here if you need anything!
⭐⭐⭐⭐⭐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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Scott made the impossible happen! All parties were very happy with Scott and his team.
Scott communicated very well throughout the process and made the process as smooth as possible.
Helped us through the whole first time homebuyer process, knew the answers to all of our questions, and the best way to approach a situation on a budget
Scott went above and beyond to help me secure a loan!
My partner and I got recommended to work with Scott from our realtor, and as first time home buyers we had a lot of questions and we weren't always sure what to expect throughout the mortgage process. But from start to finish, Scott was incredibly...
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Reply from Scott Mertens
June 2nd, 2026 06:14 PM
Thanks, Kylee! I'm glad I could be part of the journey and help make the process a little less stressful. Enjoy settling in and making new memories!
Easy clear communication
Reply from Scott Mertens
June 2nd, 2026 02:57 PM
Thank you, Mary K! It was a pleasure helping you through the process. Wishing you all the best in your new home!
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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
Mortgage Refinance
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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