

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 is very easy to work with. He was prompt, thorough, and available to answer questions quickly. No matter what time, he was always able to be reached or quickly returned emails. I highly recommend working with him and his team!
Scott assisted us on our buying process form beginning to the end. Despite all the unexpected issues he always found alternatives ways to help the process go forward. He is very knowledgeable and very proactive. We are sincerely grateful we...
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Reply from Owner
February 18th, 2015 12:00 AM
C, Thank you for taking time out of your busy day for the kind words. There were certainly surprises like "detached condo", company mergers and USDA program changes during underwriting. Thank you for sticking with it and allowing us to make...
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Scott had immediate answers to all of my questions concerning a somewhat complicated mortgage. He knew the ins and outs of the products and was able to communicate everything that was necessary on my part to get through a complicated process....
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Reply from Owner
February 16th, 2015 12:00 AM
Thank you for the opportunity to earn your business. I am looking forward to next year's refinance and you continuing to expand your real estate portfolio!
I have seriously never felt so comfortable letting someone do all of this for us with our finances than I have with Scott Mertens. What a relief to get so lucky with our lender!! He truly worked for us and for us only. The best help we've ever...
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Reply from Owner
February 16th, 2015 12:00 AM
Jenn, it was a pleasure working with you and your family. Seeing pictures of the basement already filled with toys was awesome! I hope you all enjoy many years living there. Congratulations.
Scott Mertens is great to work with. He is very knowledgeable, walks you through the entire process and answers any question you have. He is also very responsive when you need to talk to him. I worked with him four years ago for our first mortgage...
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Reply from Owner
February 18th, 2015 12:00 AM
Marlena, we always appreciate our repeat customers. The first time may have been our good fortune, whereas the second time is a testament to the hard work of our team and keeping up with our borrowers ongoing financial needs. We all love saving...
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As first time home buyers, we heard from friends that securing a mortgage required a lengthy and complicated process. With Scott, it was the complete opposite! We were able to negotiate an aggressive position thanks to Scott's quick turnaround....
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Reply from Owner
September 9th, 2014 12:00 AM
Felix and Kate, you were an absolute pleasure to work with. I will accept the gratitude for closing your full mortgage loan in 15 calendar days from initial application to closing. To be fair, you both were extremely prepared, organized, educated...
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Scott was very easy to work with from day one. We interviewed four mortgage lenders and Scott spent the most time with us: he's a true teacher and not a salesperson. He answered all our questions in great detail (we're nerds!). He also got...
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Helped me with a VA loan so I could get the equity from my home to use to build an addition on my daughter's home and then create an in law suite before I actually put my house on the market.
He was very imformative.Had a great assistant. When we had guestions or doubt he was right there assuring us..With his help we were able to purchase a new home for ourself as well as children.Would refer him and his crew to family and friends.Vicky...
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Reply from Owner
August 26th, 2014 12:00 AM
Vicky, It was a pleasure working with you and Rick. Glad we were able to help you buy a home to enjoy with your family. It is always nice to have borrowers who stop into the office. Congratulations! Scott.
Scott made every step in refinancing my mortgage as easy as possible. There were no hidden fees, no strings attached and everything went just as he said it would. There will be no other person or company I will use going forward. Thank you...
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Reply from Owner
August 18th, 2014 12:00 AM
Kevin, working with you and Katie was a pleasure. Happy to deliver a true "no cost" refinance on your FHA loan. Looking forward to helping you finance that lake front second home!
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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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