Mandy Pederson—Your Mortgage Professional for Life
Streamlined processes, efficient financial solutions, and high-quality mortgage services based in Minneapolis, MN.
Hi, I'm Mandy!
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.
>> Our Products
Conventional Loans
Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms—perfect for those who want options.
FHA Loans
FHA loans make homeownership more accessible for low-to-moderate income buyers or those with less-than-perfect credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.
VA Loans
VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.
USDA Loans
USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.
“Mandy's service quite literally may have gotten us the house of our dreams.”
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.
“ Thank you Mandy and the entire Luminate team!!”
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.
Tom D.
“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.
