

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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Delivered on time and under estimate. Scott was very responsive to my questions.
Scott and his team are very reliable and get the job done on time. The process with smooth from application to closing. He is dependable and easy to work with. I highly recommend his services.
Scott is highly competent, extremely professional, and was honest and transparent with us throughout the process. Things were handled in a very timely manner and we felt very satisfied with our experience!
Explanations in simple terms I could understand
upfront and honest. good communication throughout the process. would recommend
Steve Crowell was great to work with and helped us get our mortgage when we needed it! Very easy to work with!
Scott and his team are the absolute best - highly recommend! He went above and beyond to educate us on what was needed to make our purchase work smoothly. Extremely communicative and personable.
I couldn't be happier with my experience. We did not have a realtor and this was our 1st home buying experience so having the right lender was absolutely imperative. Scott and Leader One went above and beyond to make the process as clear and...
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Scott and his team are experienced and knowledgable. They are a great team to work with and i "hands down" highly recommend them.
Scott and the team was amazing to work with! They made the mortgage process simple and effortless. I would highly recommend them to anyone looking for lending.
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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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