I have been in the mortgage industry as a residential loan officer since 2000. I understand that people live very busy lives and their time is precious, which is why clients like you are always my priority. You need a streamlined process and efficient, high-quality service? You’ve come to the right place.
I always take the time to get to know each and every one of my clients and their financial situations. And while my team and I specialize in residential home loans for real estate purchase and refinances, we can help find solutions for almost any mortgage situation. We’ll work together to align your short and long-term financial goals, getting you into your dream home that much faster. I’ll always be honest with you every step of the way, so you can feel confident that you’re in good hands.
Buying a home is a very emotional and exciting process—but the Mandy Pederson mortgage team will make that process smooth and easy for you from start to finish. How? By engaging and listening with clients just like you. We take the time to explain what’s happening every step of the way so that you have a complete understanding of the entire mortgage loan process.
Getting a loan shouldn't feel like it's you against the world. Our team will always work hard to share our knowledge and find the right loan for you.
It's our mission to bring clarity and transparency to home loans—no more sending things into a black hole and waiting for answers.
Let's get you in there! It's our goal to help you feel informed and engaged at every turn. When you're ready to buy, we're ready to help.
If you had asked me before I met Mandy whether I would be able to differentiate between Loan Officer's I would have shrugged. I was sooo wrong. Mandy's service quite literally may have gotten us the house of our dreams. She was soooo responsive. I would recommend her to anyone I knew, without hesitation. And I don't make recommendations lightly.
David G.
Mandy is very knowledgeable and responds immediately. She is certainly one of the primary reasons I am in my home today. She reached out to the listing agent to emphasize me as a solid borrower and that made such a favorable impression. Her professionalism and positive attitude is outstanding and I would highly recommend her to anyone, without hesitation. Her and her Team made this process so smooth and it was a genuine pleasure.
Melanie L.
Mandy Pederson was fast, thorough, and considerate from start to finish. We couldn't be more pleased. Thank you for making our mortgage refi feel easy! Our only regret is that we didn't do it sooner!
Christine C.
So timely and well done, I’ve been an agent for 4 years done a lot of deals this is the best mortgage agent I’ve come across, thanks again.
Tyler B.
Mandy and her team are answering questions or concerns before we even mention them (not that we had any), outstanding communication and total knowledge of the mortgage process across all state lines. The co-op agents are also impressed with communication from initial introduction at time of offer and all the way thru to closing. Thank you Mandy and the entire Luminate team!!
Tom D.
If you’re not ready to apply, but just want some more information, don’t be shy. Let’s just chat and see what your next steps should be.
Thank you for contacting us. We will get back to you as soon as possible :)
Mandy Pederson NMLS# 653693
Luminate Home Loans, Inc.
2523 S. Wayzata Blvd.
Suite 300
Minneapolis, MN 55405