

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 amazingly helpful through every step of the mortgage process - from educational info, to advice and finally to execution. He was easy to work with and always took the time to explain everything. We really felt like he had our best...
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Reply from Owner
December 30th, 2013 12:00 AM
Mike,It was a pleasure working with you and Melissa on your first purchase. It took almost two years to find the perfect property, but I feel like a made some friends, and a happy customer. Hope the remodel has been going well, and you can...
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We used Scott to help purchase our 2nd house. The experience made me wish we had used him for our first purchase as well!His knowledge about financing options and his ability to share that knowledge with his customers leaves you with a very...
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Reply from Owner
January 7th, 2014 12:00 AM
Derek, you and Shelley were great borrowers. Thank you for the kind words and I hope the nursery looks great! Thanks again,Scott
I have now refinanced twice (2009 and 2013) with Scott and found him very easy to work with. Always fast to reply to questions and was able to get very competitive rates both times. Would definitely recommend Scott.
Scott Mertens was recommened by a loan officer at a local bank and I feel incredibly lucky to have been sent his way. He was very knowledgeable, very timely in his responses and very friendly. He always went above and beyond to help, do research...
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Reply from Owner
December 18th, 2013 12:00 AM
Jessica, it was a pleasure working with you on this transaction. The process lasted over a year from beginning to end, but was worth all the effort to see you in the home. We pride ourselves on going above and beyond, and it is great to hear...
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Another Happy Customer!Scott, you and Stacey made the whole process pain free. I heard nothing but horror stories about dealing with Mortgage companies and none of them were true when dealing with you. From the first email when I requested...
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Reply from Owner
December 18th, 2013 12:00 AM
Karen, you and your family were a pleasure to work with, as was your Agent. We try to communicate to our customers in whatever medium works best. We appreciate all the referrals and look forward to helping you purchase that second home you...
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Scott Mertens has received a review with 5 star rating from Lucille D F
Scott Mertens has received a review with 5 star rating from Maryanne C G
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Scott Mertens has received a review with 5 star rating from Jennifer M
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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
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Home Renovation Loan
Reverse Mortgage
Cash-Out Refinances
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Mortgage for Foreign Nationals
Profit & Loss Only Mortgage
ITIN Mortgage Loans
Bank Statement Mortgages
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Mortgage Lending
FHA 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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