

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 made a very frustrating refinance happen on a deadline.
Scott was very helpful through the entire process and everything went smoothly.
Scott did a great job explaining what to expect and was a pleasure to work with!
Scott was very professional as well as the company. Everything has handled in a professional manner. I would highly recommend Scott and Lender One to do business with.
Scott stayed on top of the loan process for us and precisely communicated what was needed every step of the way. Nicely done Scott.
Scott kept us up to date on everything. He gave us plenty of time to prepare for the closing. Everything went very smoothly. We trusted him completely and he didn’t disappoint, Will work with him again if and when we buy another property. Thanks...
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Scott knows the answer when you ask it. He always gets the job done if it is doable.
Scott and his team were efficient, attentive and extremely professional. The process was simple and their communication made sure that I was always informed as to the status of my loan. I highly recommend them to anyone.
Eric
Overall job well done, kept us informed along the way
Scott’s very knowledgeable and I have 100% confidence that he’s getting me the best rate and program possible with competitive costs. I’ve done 2 mortgages with him and have referred others to him who very also very happy with the advice and...
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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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