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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Working with Scott made my experience absolutely seamless. I felt supported along the way and I knew I was in good hands. Highly recommend.
Reply from Owner
April 13th, 2026 09:15 PM
Thank you, Valerie! It was a pleasure working with you. I appreciate you trusting me with this and don’t hesitate to reach out if you ever need anything!
The guidance and advice provided along the way
Smooth transaction
Reply from Scott Mertens
April 13th, 2026 09:30 PM
I appreciate this, Lesley! Don’t hesitate to reach out if you ever need anything.
Scott and the Luminate team were so great to work with, we were presented numerous challenges throughout our loan process and his knowledge and expertise allowed us to find the best loan option and close quickly.
Reply from Scott Mertens
April 13th, 2026 09:31 PM
Thank you, Mark — this really means a lot.
This one had its obstacles, and I appreciate you sticking with us throughout. I’m always here if you need anything down the road!
Scott is knowledgeable, communicative and truly a pleasure to work with. We ran into a few different challenges during our loan process and Scott guided us through with patience and confidence. He was always resposnive and reassuring. We couldn’t...
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Reply from Scott Mertens
April 13th, 2026 09:32 PM
I really appreciate this, Erin. Thank you.
This was a more complex deal for sure, and I’m grateful for your trust along the way. Happy to help anytime in the future.
Great communicator And completely transparent about the process. We faced some hurdles but Scott handled them with ease and certainty. Would highly recommend Scott
Reply from Scott Mertens
May 13th, 2026 02:00 PM
Thank you so much, Joe!
I know this process had a few moving parts, I’m glad we could navigate it together and get you to the finish line. The team and I are always here if you need anything!
I highly recommend Scott. He is extremely knowledgeable and was always willing to answer any questions we had and share every piece of information he knew. I HIGHLY recommend him and his team.
Everything from start to finish was absolutely seamless and informative.
Scott very nice person very helpful
Scott is a true professional. He makes the experience a pleasure for my clients and for me.
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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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