Tim Oddo
Reverse Mortgage Advisor | NMLS # 302667
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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Tim and his team are AMAZING!! When I say they make reverse mortgage a breeze 💨 I mean it!! Thanks for taking such great care of my clients, and for making the process easy peezy!! 🩷
Reply from Owner
March 19th, 2025 10:11 PM
Thanks Jessica!! It was an honor working with your clients to get a Reverse Mortgage in place to ensure their financial security.
Tim provided information in print and verbally clearly, completel, answering questions respectfully and on on point. Tim, and Diamond (when needed) followed up both promptly and consistently. Plus, Tim was engaging and enjoyable to speak with....
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Reply from Tim Oddo
May 22nd, 2025 02:04 PM
I'm delighted to hear that you had such a positive experience, Liz. It was a pleasure assisting you, and I'm glad that Diamond and I could provide the support you needed. Thank you for your kind words and for trusting Luminate Bank.
Tim is the guy for reverse mortgage loans. My aunt Terry is 85 years young and she needed some extra cash flow to enjoy the rest of her life. Tim was able to help. Thank you my friend. I'm sure there will be more of my family you can help....
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Reply from Owner
December 17th, 2025 01:43 AM
Thanks Brian! It was a pleasure helping your aunt Terry. I'm glad this will help her stay in her home and have more financial security.I really enjoy helping homeowners understand their HECM reverse mortgage options and how home equity can...
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Tim was always there to clarify and/or answer my questions. His team, Diamond, walked me through the system and always responded quickly, with very gracious responses. Tim almost seemed like family in his concern that I really understood the...
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Reply from Tim Oddo
March 3rd, 2025 07:47 PM
Terri, thank you so much for your kind words. It means the world to me that you felt supported and understood throughout the process. My goal is to make sure that each and every client feels confident and informed, especially with something...
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Tim, Diamond and Candi were wonderful. Tim guided and educated me through the process of a reverse mortgage. He was very knowledgeable and patient with me throughout the process. Diamond and Candi were very on top of all the paperwork needed...
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Reply from Owner
February 24th, 2025 05:25 PM
Thanks Freida! It was a pleasure helping you with this loan - I hope this Reverse Mortgage is a blessing to you. Tim
Tim Oddo has received a review with 5 star rating from Jane G
Reply from Owner
February 24th, 2025 05:25 PM
Thanks Mary Jane!!
Tim Otto is a very professional gentleman man, much knowledge of his profession. He explained all our options. We tried to manage our debt but at time in our lives great hardship, we couldn't handle our expenses. He helped us get a loan with...
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Reply from Tim Oddo
February 19th, 2025 11:30 PM
Thank you Mary Jane!! It was a pleasure working with you and Rich on this reverse mortgage. I know this loan will allow you to live in your home now for the rest of your life. I'm so happy we were able to help you with this! Tim
Tim was simply the best! Starting with our initial inquiry call, to meeting with the family in person to learn more about the reverse mortgage product and helping us understand the different options that were available, through gathering all...
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Reply from Tim Oddo
February 17th, 2025 05:36 PM
Mary & Gerry, I'm thrilled to hear that you and your family had such a positive experience working with me on your reverse mortgage. It was a pleasure to guide you through each step of the process and to help tailor the best options to fit...
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I highly recommend Tim Otto to anyone considering a reverse mortgage. Tim is a true professional who takes the time to educate, explain, and empower his clients, ensuring they make the best financial decisions for their future. A reverse mortgage...
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Reply from Owner
February 24th, 2025 05:27 PM
Thanks Amber - this review means a lot coming from you. You and your mom have built an amazing Real Estate business and it's an honor to work with pros like you!
Tim made our dreams come true! Closed our reverse quick and painless! Highly recommend!
Reply from Owner
January 14th, 2025 09:20 PM
Thanks Valerie! It was a pleasure helping you guys - congrats on your new Reverse Mortgage. Tim
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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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- NMLS # 302667
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2523 S Wayzata Blvd. #100 Minneapolis, MN 55405 | Phone (952) 698-3300
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