

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, Scott, Scott!!!
Scott Mertens A.K.A Dream Maker is absolutely the best in the business! He made the process of buying our dream incredibly simple and stress-free. He was super communicative throughout the process, he answered the flurry of questions that we...
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Scott does a great job, he helped with our purchase in March and our refinance last week. We have been very happy with his services.
Scott was very prompt, decisive and clear in his communication. Your online portal was very convenient
My mortgage was was very difficult to get to the finish line for reasons that were beyond our control and not subject to any fault by either of us. It was very frustrating for me, but Scott persevered and was able to get the deal done thru...
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Scott was amazing! We had some issues with the buyer of our home and the seller of our new home and Scott was there every step of the way. He always had our best interest and I would highly recommend him and his team!
Scott cuts the red tape and gets it done!! Scott is knowledgeable and professional.
From the initial contact with Scott on my mortgage through a recent refi, Scott and his team has been tremendously helpful, positive, and patient in every step of the mortgage process, and then the refi process. I'm convinced he is at the top...
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Very easy to deal with - organized with little disruption as process moved along.
Communication & clarity & timeliness
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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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