

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.
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Scott made the process easy and understandable
Quick response to my questions. Kept me updated on progress of refinance. Understood my needs and made it happen.
When my loan fell apart at 8:30 pm on the night before my closing, Scott and his team worked until 12:45 am to get everything back on track. I’m extremely appreciative and amazed by what they were able to accomplish in such a short period of...
read more
Personalized service
The personal service that Scott's Team provided. They were very easy to work with. Very professional. This was the easiest mortgage process that I ever had.
I have been working with Scott for about 16 years and he has always been informative, helpful, knowledgeable, creative, and willing to go the extra mile. Him and his team go above and beyond and are there to guide you every step of the way.
Scott was encouraging, pleasant at every turn, always made us comfortable, and actually made this difficult process enjoyable!! No easy task!
This was the second time we used Scott
He help tremendously to get our loan closed on time.
Scott was very knowledgeable and quick with the process. Information dissemination went out quickly and was easy to follow. Overall a great person to work with and personable.
Expertise with a smile
231–240 of 509
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
©2025 All Rights Reserved Licensing | Privacy | Contact Us