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 was receptive and on the ball. He answered the whenever we called. He was straight to point and told us exactly how the process would go. Boy did we make him work for this one. As stressful as the home buying process is, Scott is a bright...
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Reply from Scott Mertens
April 13th, 2026 09:10 PM
Thank you Andrew — I really appreciate it.
I know this wasn’t the easiest transaction, so it means a lot that you trusted me and the team to help get it done. Always here if you need anything moving forward.
Great work, Scott! It was a pleasure working with you.
Scott is very direct. I appreciate his transparency and willingness to get the job done. Thank you for your professionalism and hard work.
Reply from Scott Mertens
April 13th, 2026 09:13 PM
Thank you so much, Devin! It means a lot — really glad I could help.
I never heard from this person. Should I have?
Very thorough, excellent communication, outstanding problem solving. I look forward to working with Scott again.
Reply from Scott Mertens
April 13th, 2026 09:26 PM
Appreciate this, Greg! I’m glad everything came together smoothly. I’m always here if you need anything!
Scott educated us and kept us informed during the home buying process through consistent communication from Scott and his team.
Reply from Scott Mertens
April 13th, 2026 09:25 PM
Thank you, Brad! It means a lot — we’re glad we could make the process easier for you. Don’t hesitate to reach out if you ever need anything!
Everything went smoothly for our closing online!
Everything went smoothly for the closing!
Reply from Scott Mertens
April 13th, 2026 09:22 PM
Thanks Robin — I'm happy to make things a little easier. I appreciate you trusting me with this.
Scott is very knowledgeable and easy to communicate with.
Reply from Scott Mertens
April 13th, 2026 09:20 PM
Thank you, Matt! It means a lot — glad I could be part of it. I'm always here if anything comes up down the road.
Scott went above and beyond and was very easy to work with. He was very responsive to my calls and helped to close the deal! Closing was organized and everything went smoothly! Thank you!
Reply from Scott Mertens
April 13th, 2026 09:17 PM
Thank you so much, Lisa! I appreciate your kind words and the opportunity to work with you. I’m always here if you need anything!
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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
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Bank Statement Loans
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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
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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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