

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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Great guy on top of this game did everything he said he was going to do. Very prompt and great service.
Scott was amazing to work with from the first call all the way to the last. Answered all questions and was readily available if needed. Would strongly recommend using Scott and his team for any needed services.
Scott and his team made the entire process simple and painless. He’s truly a master at his craft being able to answer any question thrown his way and making sure that we always felt comfortable every step of the way.
Scott was terrific with keeping the process moving forward and helping us overcome some of the last minute hurdles. He even extended our rate lock at his expense while the transaction came together. Looking forward to our lower rate and lower...
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We worked with Scott Mertens to secure financing for our first home and couldn't have been happier with the service we received. Scott is super friendly and responsive, he'll get you any pre-app letter you need in a matter of minutes. He's...
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We worked with Scott Mertens to secure financing for our first home and couldn't have been happier with the service we received. Scott is super friendly and responsive, he'll get you any pre-app letter you need in a matter of minutes. He's...
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I started off with Quicken loans to do a refi on my house. My daughter-in-law is a realtor and she gave me Scott’s number and told me to talk to him after I already started stuff with Quicken loans. After talking with Scott for 10 minutes on...
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Scott Mertens has received a review with 5 star rating from Shirly F
Scott and his team were very professional and very quick . We had a 30 day closing.
Reply from Manson Lucas
June 8th, 2022 03:10 AM
This confidence and trust has been what I have craved for in an expert trader for years now and I am so happy to finally get all this from you Mrs patience Adamson for you have proven all what I have heard about you is the true, by investing...
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Lowered our rate and gave us exceptional service
341–350 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
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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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