Scott Mertens

Loan Officer

NMLS: #32274

Years experience: 20

Language(s): English

Fellow

Luminate Home Loans

107 Boulder Drive Barrington NH 03825

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What sparks your passion for real estate or mortgage lending?

I am huge believer in home ownership. It provides safety, community, wealth, pride, and an overall better sense of well being. Let us show you how to make this happen.

What sets your services apart from others?

Everything we do related to loan origination takes place right here, in NH and with my team only. This provides easy communication, rock solid expectations and a familiarity with being a Granite State homeowner.

What's the #1 tip you give to first-time homebuyers?

Get educated! Know your qualifications, know the process, know your lender, know your realtor, know your options. We use a consultative approach when pre-approving homebuyers.

What would you want me to know about yourself?

I take 100% ownership of every file that comes through my pipeline. I am first contact and deliver the final numbers at the end of the process. We don't use the 'assembly line' approach of some of our competitors. My processor sits ten feet from me, and my underwriter works for my branch only. All of us are NH residents. This allows us to provide unparalleled service to our borrowers.

What's your favorite hidden gem in New Hampshire?

That's tough. NH has so many great attributes....lakes, mountains, shore, forests... but I would go with Stonehouse Pond in Barrington. Great walk, good parking, amazing view from the top. And you can swim there!

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To connect directly with this loan officer, please fill out the form below and they will be in touch with you shortly. When completing the form below, remember that no matter which loan officer you choose to work with, our rates will be the same, and our program’s guidelines will be the same.

Choosing the right mortgage professional is one of the first steps. They will guide you to the mortgage program best suited for your needs. Some of our most popular programs are listed to the right. Make sure to check them out!

Below Market Interest rates - Home First and Home First Plus is a Mortgage Revenue Bond program which provides a rate-advantaged mortgage and the option to add a fixed $5,000 or $10,000, or $15,000 in cash downpayment assistance.

Downpayment and Closing Cost Help - Get up to $15,000 in cash to help with downpayment and closing costs through any one of our mortgage programs, including our Home First Plus, Home Flex Plus and Home Preferred Plus programs;

Low Mortgage Insurance Options - Home Preferred is a low down payment convention mortgage option with a low, discounted mortgage insurance option