

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.
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Purchasing our home was exciting and overwhelming at the same time. Scott and his team were so helpful along the way, always taking the time to fully answer all of our questions and help make sure we were comfortable with the process and what...
read more
Scott made buying my first home a breeze! He was quick to follow up and even pulled a few strings to bump my credit into the next tier so I got a better rate. His staff was always on top of things and Stacy did a great job helping me get all...
read more
Scott was very helpful in my new (and first) home purchase. He guided me through the entire process from start to end. He took the time to explain every step in great detail, and was always available by phone to answer any questions.
Scott and his team made everything extremely easy. They were quick to respond to all of my questions. Being a first time home buyer he made everything simple and took the time to explain everything in detail. I have referred him t friends and...
read more
I had a very complicated financial situation which made getting a mortgage challenging. I had started with another lender and due to their incompetence, my FHA loan for a condo fell through. Scott was recommended to me by my realtor and he...
read more
Reply from Owner
August 18th, 2015 12:00 AM
JC, Thank you for taking the time to review us. Your situation was a challenge, but you handled it with grace, courage and excellent organizational skills! I am extremely pleased with my team for providing you with a creative solution, and...
read more
Working with Scott and his team has been a great experience from start to finish! I remember the first day I made contact with Scott by phone, I was driving in to work, he was able to pull my credit and I had pre-approval by the time I arrived...
read more
My fiance set up the appointment with Scott a few months back, as we were just starting to "lightly" browse through possible new homes to buy. The meeting was transparent in understanding everything we would have to do in order to go through...
read more
Reply from Owner
July 27th, 2015 12:00 AM
Katie, thank you for this excellent review. I am so happy for you and Brad. It was quite a whirlwind with the mortgage process, the move and then the vacation! Congrats on being a homeowner and the engagement! We look forward to keeping up...
read more
Scott and his team took care of all the details and made buying a house as simple as it could be. Scott was very professional and made us feel confident with the decisions we had to make.
Reply from Owner
July 27th, 2015 12:00 AM
Thank you for taking some time out of your day to post your feedback. It was a pleasure working with you all. I know your family will love their new home!
Working with Scott from Primary Residential Mortgage was one of the best decisions we have made. He was there for us every step of the way. Scott and his assistant Stacey worked tirelessly with us to obtain a VA loan. This involved more paperwork...
read more
This review is overdue but I knew I needed to write about working with Scott because of our experience with him and his office. I googled lenders in December of 2013 and called Primary Residential Mortgage. Scott answered and we began the initial...
read more
Reply from Owner
July 21st, 2015 12:00 AM
Kathy and Rick, reviews are better late than never! Thank you for taking the time to re-live those weeks. I drive by your beautiful home every day when I go to work, and it makes me smile. It was a pleasure working with you both, and we appreciate...
read more
461–470 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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
©2025 All Rights Reserved Licensing | Privacy | Contact Us