

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 is a miracle worker and did an amazing job on a very difficult loan with a difficult client. He was persistent.
Kept me from having to worry about buyer's side of transaction!
Communication, information and insight.
Again, another great transaction for my buyers who used Luminate! Scott and Steve can explain everything so well to buyers that it really helps put them at ease. They don’t feel so overwhelmed after talking with either of them! Highly recommend...
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Scott Mertens has received a review with 5 star rating from Jasmine J
Scott made the experience very easy to understand and was very quick to respond to any questions we had
Scott is phenomenal at explaining things to clients. He is usually always available for questions. His knowledge is second to none.
Scott is a pillar in his industry. He knows the banking world inside & out, and can communicate the terms and procedures clearly to clients, allowing them to trust him and feel confident that they are in the most qualified hands!
Scott is one of the top lenders out there. Love working as a team with him for buyer clients
Amazing company! As well as Scott Mertens. Can't thank you enough!
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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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