Mortgage lending that will exceed your expectations. Every time.
Mandy Pederson
Sr. Mortgage Loan Originator, NMLS# 653693
As a Senior Mortgage Loan Originator with Luminate Home Loans, I’m ready to help you. I’m a licensed mortgage professional in most states: AL, AZ, AR, CA, CO, CT, FL, ID, IL, IN, IA, KS, KY, MA, MI, MN, MO, MT, NH, NJ, NC, ND, OH, OK, OR, SC, SD, TN, TX, VA, WA, and WI. Check back frequently as we continue to expand!
A little bit about my personal life: I live in Maple Grove, MN with my husband, Greg; my son, Nick; daughters, Hannah and Ella; our Cavalier King Charles Spaniels, Bailey, Maggie, and Lily; and a cat named Shadow. We love to spend time at our cabin in Crosslake boating and enjoying the sunshine. I can also be found watching my kids at hockey, softball, and golf events 😊
Our Mission
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.
We make lending approachable by bringing transparency and consistency to every part of the financial world—guiding people to decisions that they feel are in their best interest.
It's our goal to help you feel informed and engaged at every turn. Who we are is important to us, which is why we want to share our values with all of our customers.
Mortgage Loan Process
The mortgage loan process can seem complex to many, but we'll work with you to guide you through every step so you never feel lost or overwhelmed.
1
First things first—apply for pre-approval via our "Apply Now" button at the top of this page!
2
Once we receive your requested documents, we'll schedule a time for us to meet. We'll review your mortgage options, talk about the home buying process, and issue your pre-approval.
3
Now the fun starts and you can start searching for your dream home!
4
Once you find a home and your offer is accepted, your interest rate will be locked in.
5
Next, we'll get your appraisal moving and title work will be ordered.
6
Once the appraisal and title work are complete, yourr loan will be sent to Underwriting Review.
7
When you receive final figures for closing, you know you're almost there!
8
And the final step—attend closing with your driver's license and receive the keys to your new home!
You've got options.
Whether you're a first time home buyer, you're looking to refinance, or have a unique situation, we'll help you understand all the options, so you can have the home of your dreams.
NMLS# 150953
Mandy Pederson NMLS# 653693
Luminate Home Loans, Inc.
2523 S. Wayzata Blvd.
Suite 300
Minneapolis, MN 55405
