

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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Never too busy to make you feel appreciated and important.
I highly would recommend scott and his team from start to finish he stuck it out with us very helpful and kept us informed we started working with him in 2014 he told us what to do to improve our credit to get the loan we did what he said and...
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Reply from Owner
June 23rd, 2015 12:00 AM
Kevin and Holly, thank you for the great review. I am so happy for you two, and your family. We always try to maintain that long term focus, and such a great feeling to cross the finish line. Congratulations!
I have owned three houses and one vacation property - so mortgages and banks are no longer "new" experiences for me. However, after going through a divorce and becoming a single mortgagee, I found myself having to look into a government (USFDA/USFHA)...
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Working with Scott Mertens was the best decision we made in our Home Ownership Journey. We have already recommended him to our family and referred several friends to him. You will not find any one more sincere and professional. Scott is extremely...
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Wonderful experience purchasing our new home! Scott was extremely helpful every step of the way. He definitely helped eased my fears of all the unknown. Was also very patient with us and answered all of our questions in a timely manner.
Everyone in Scott's office was so helpful, friendly and efficient! He was on top of every detail involved in my first time buyer process and was able to explain things and teach me about all the details involved. I would highly recommend him...
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Walking in to Scott's office as a first time home buyer, I had zero knowledge of the process and/or where to start and I was a bit apprehensive. Within minutes that feeling completely went away when I realized he was extremely knowledgeable,...
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Reply from Owner
May 5th, 2015 12:00 AM
Hello HL76, thank you so much for this detailed review. You were a pleasure to work with and we appreciate the trust and confidence you placed in us. I am certain home ownership will be a rewarding experience for you and your neighbors!! Thanks...
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Scott was the best mortgage lender anyone could ask for. He is very knowledgeable on the kind of mortgage products available, he provided us guidance from step 1 till the end of closing. The whole process was a breeze from the beginning to...
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I recently completed a short-sale home purchase with Scott's assistance.At every step Scott was both proactive in keeping me updated, and responsive when I had questions.Scott attended to each of my first-time home-buyer questions with care...
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Reply from Owner
March 23rd, 2015 12:00 AM
A, Thank you for this great review. It takes a true team of qualified, responsive professionals to complete a short sale transaction in under 30 days, at great rates with smiling faces. We are extremely thankful to have completed our part to...
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For first time homebuyers, we are extremely pleased with the service we received from Scott. He was responsive to all our questions and guided us through step by step. Highly recommend!
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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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