

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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Good personal communication, thoroughness, easy to talk to.
We were referred to Scott after our initial financing fell apart. Scott and his team did an incredible job to get us approved, underwritten and financed very quickly allowing us to keep our original closing date. The process was smooth and...
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Scott was very clear and timely with his communications. He was able to answer all of our questions. We learned a lot about the process from him and it went so smoothly.
A very positive experience working with Scott and his team. Everyone was extremely friendly, well-informed, timely and supportive. Feeling incredibly pleased with my refinance experience overall thanks to them!
Great
Scott goes above and beyond the call of a premium customer experience.
The team at LeaderOne worked great together as a team to help get my refi done in a very timely manner. There advice and guidance was very comforting.
This was the most effortless mortgage refinance I have had to date. Any and all questions were answered promptly. The secure online portal made uploading sensitive documents effortless.
I’ve closed 3 mortgages with Scott and his team - they are always on point.
Scott was friendly and knowledgeable and the perfect mix of “get down to business” without making you feel like you were just a number. Every interaction was pleasant and he put together our difficult loan with kindness and a positive attitude....
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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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