“Jim is the absolute best! My situation was a difficult one and Jim assured me that I was buying a home. Jim and Casey went above and beyond! I would not hesitate one bit on contacting Jim, he knows what he is talking about! Gracias Jim!!! You are one of the bests!!!”

Maria

“Amazing experience! Being self employed and using a VA home loan, i knew this was going to be a rough process. However, it wasnt. Tony took amazing care of me and assisted immediately with any questions i had. He guided me through the process and had innovative ideas to get the best deal possible for me. His communication is impeccable as i never felt in the dark at any time. I have now recommended Tony to other home buyers multiple times now and will continue to do so. If buyers go to anyone other than Tony, they are doing themselves a disservice. If I am ever in the market for property again, Tony will be my first and only call.”

David

“Taylor and Sam were great! They were always quick to answer any questions I had and made the process smooth and simple. Highly recommend!”

Josh

“We need financial assistance with a main floor remodel while trying to lower our interest rate as well as wrap the loan together in one payment. Jon walked us and our contractor through the process and was there to answer any and all questions. Very responsive and provided excellent customer service. Would definitely work with Jon again in the future and refer him to friends and family.”

Bill

“If you are looking an outstanding home mortgage team, you have arrived!! They get the job done in record time and go the extra mile when and where others can’t. Mike and his team are brilliant!
Doug S. & Kris O.”

Doug

“The Arvold Mortgage Team is simply THE BEST at what they do. Mike, Riley, and Cari coached us through a couple of very unique situations and simplified a complex process. What impressed me the most was the level of customer service they provide. As an informed consumer, I have extremely high expectations. This team exceeded those expectations at every level.

It is because of them, our family turned a dream into reality, and we cannot thank you enough.

If you are in the market to buy a home, refinance, etc. and want outstanding service, you need to work with the Arvold Mortgage Team.”

Ernest

“The experience was one to remember!! Being first home buyers, all people told us was how difficult the process would be. But finding Jerrid helped our process fly by. He explained all of the numbers and meanings to precise detail, leaving no questions ever needed Tobe asked! Even when stuff got a little tough, Jerrid kept on pushing forward for us and we were able to close the deal! We are beyond satisfied with buying our first house thanks to Jerrid!”

Blake

“Jon Hill was a pleasure to work with. He was very professional and prompt in answering any questions I had. I would and already have recommend him to anyone I know who is buying a home! It was my first home purchase and he made it very stress free. He checked in often and always kept me in the loop. Thank you so much Jon!”

Hannah

“Jon was great! Always available for any questions, always let us know what we needed to do! I look forward to working with Jon in the future, thank you!”

Ethan

“Awesome experience with Refined Lending, a division of Luminate Bank, during my cash out refinance. Jon Hill was professional, accurate, and very thorough during the whole process. 3 weeks from the start of the loan process to being funded! A1”

Jim

“Prompt thorough 24/7 service from Jerrid at Refined Lending, a division of Luminate Bank,. I also recommend Jerrid to clients as he has taken very good care and done great work for several of my homebuyers within the last few months. Thank you Jerrid for getting this one and all the others wrapped up and funded.”

Don

“The whole process was very easy and straight forward. Jerrid did a great job with explaining everything and answering questions. He was always available and quick to reply. I would definitely recommend him!”

Khe

“Sam was great to work with, he really help us threw the process. Made it so we could understand the process. This stuff is confusing and he really took the time and understanding with all our questions. We had some unexcepted problems threw our process that I was really happy Sam was there for us. Even late at night , many times answering questions and helping us threw it. I heard about Refined leading threw the KFAN group, I would recommend anyone going with these guys for help with your refine/mortgage needs.”

Mike

“Jerrid and his assistant did a wonderful job with my client Christina. She was a first time homebuyer and he really walked her through the process from start to finish. We closed on time and there were no hiccups.”

Lisa

“I’ve been shopping around for lenders for a near future purpose. Once I find the right property, Jerrid will 100% be the guy. Can’t wait!”

Max

“Jerrid has such a calm, professional way of offering his services. I’m so happy my clients can trust and have open communication with Jerrid, he is my go to!! Always delivery efficient, fast services with ease and another huge plus- he’s available 24/7. A must for me. Highly recommend!!”

Lauren

“When it comes time to purchasing a home I know Jerrid will be there to help me with that.”

Danielle

“Jerrid was an awesome person to work with. Our first meeting was at a brewery and I knew the. That we were on the same page!! We sat down and he listened. Then when got to work. There was no point in exploring anyone else to trust. He was always punctual and polite. He was always in contact with me and my family to keep the process moving at all times or if something new came up. I am extremely grateful meeting Jerrid. I didn’t have to compromise on anything to work with him. Just a freaking awesome person. Thank you my friend. Miss you.”

Nick

“David was wonderful to work with. We bought two properties at the same time and worked with him to obtain both mortgages. He was always easy to get ahold of and had great communication throughout the whole process. He made everything very simple & straightforward for us throughout the whole process. He and his team went over and above for us, and I can’t emphasize enough how much we appreciated their extra effort. We have been very happy with David and the team he works with, and we highly recommend! Thanks David!”

Alex

“Sam Rickenbach is extremely professional and it’s clear that he wants the best for his clients. He goes above and beyond for them and I would absolutely recommend him to all of my family and friends. Keep up the great work Sam!!”

Aubrey

“We had a great experience with Carolyn Mayberry and her team at Refined Lending, a division of Luminate Bank,. Carolyn always responded quickly with clear information, and made the process go smoothly as we worked to buy a property in another state. She supported us through all the ups and downs over many months as we looked to buy in a competitive market. Everything was ready for closing before the deadline. We wouldn’t hesitate to recommend her!”

Kelsey

“Jerrid was awesome to work with. He was very patient when unexpected delays hit, and was instrumental in getting the gift equity letter figured out. Great attention to detail and communication. Thanks Jerrid!”

Aaron

“Jerrid has, bar none, one of the highest levels of customer service I’ve ever experienced. Having worked in customer service myself, I have exceedingly high standards – Jerrid went way above and beyond that. His knowledge, expertise, attention to detail, consistent communication, and commitment to our best interests by integrating what we wanted with what we needed – overall, stellar customer service – created a seamless process with an even better outcome than we expected. He truly partners with his clients. I highly recommend him, and am recommending him to everyone I know. Thanks again Jerrid!”

Sue

“Bryan has been a great counselor and sounding board throughout 2 different mortgages & a refinance with me. He is always responsive and willing to explain the details behind the decisions. I have operated with a high degree of trust with him and have never been disappointed.”

Adam

“Bryan has helped me several times refinance my home as well as my office condo. He was able to get both completed in about 3 weeks. Amazingly fast and no hassles at all!”

Joe

“I have worked with Mary both as a fellow real estate agent and as the mortgage adviser to my homebuying clients… and she’s absolutely top notch. Meticulous, detail oriented, dedicated and diligent. Nothing gets overlooked and nothing falls thru the cracks. I glad recommend Mary to anyone looking to buy a home!”

Robert

“Chris Forest works hard to support his client's needs throughout the lending process. He strives to earn their trust and maintains a high level of professionalism.”

Michele

“Look- as a first time house buyer- all of the steps to get the keys can be stressful. But if you want less stress go with Jerrid and his team at Refined Lending, a division of Luminate Bank,.
He was direct and up front with how the process of getting a mortgage worked.
His team sent us weekly updates about how everything was going in terms of what we needed to provide and where everything was at.
If we had questions they were answered promptly and as clear as possible.
10/10 would use again.”

Kylie

“The Best! Jim did a great job on the refinancing of our home. Restored my faith after a previous awful experience with a major loan company out of Detroit. Communication was great. Did not have to resubmit copies of documentation. If you are a veteran than Jim is the one to go to for VA needs. Satisfied customer, Steve.”

Steven

“My experience was nothing short of amazing. I was made a promise that Bryan could get me a home and he did just that. When I first started my home buying journey I was with a different lender and it was nothing but games and wanting to spend all of my money. It made my hopes of ever owning a home go out the window. Then I was referred to Bryan. I can’t seriously thank him enough for everything he has done for me. The home buying process with him was painless, and transparent. I will be going through him for all my future purchases. Thank you so very much!”

Bailey

“We have worked with Bryan Kiani for over 12 years, purchasing multiple properties and referring numerous clients & friends to him over this time frame. He consistently exceeds our expectations with outstanding service, attention to detail and a personalized approach that we love. We highly recommend Bryan, he’s fun to work with and even kind of funny!”

Matt

“Sam was helpful from the very beginning by explaining the WISH program and other loan information. He was always informative, professional, knowledgeable, helpful and always available for my calls and questions. He answered us on a very timely basis, stayed with us every step of the way, kept us informed and confident in the entire process. Appreciated his willingness to come to the closing in person and represented the company and himself in a very positive light. I would recommend Sam to all of my friends and family, Hands down–he was beyond AWESOME! I can not say enough positive things about Sam.”

Lori

“Bryan Kiana went above and beyond to help my dream come true of purchasing a home. He always respnded quickly to any questions I had along the way. I would definitely recommend him to any of my friends.”

sheryl

“Bryan and his team are the absolute best. Bryan was super responsive, knowledgeable, trustworthy and enjoyable to work with. I have, and will continue to recommend him to all my close friends and family.”

Rick

“Bryan Kiani and team have been my trusted lending partner for the past 8 years! I always know my clients are in good hands when working with him and receive the highest level of service!”

Brooke

“I just wrapped up another deal with Jerrid and he continues to impress me with how he conducts his business. He’s always responsive, and promptly finds answers for questions he does not know. His communication with both agents and clients is second to none. I sleep well knowing Jerrid is in our corner!”

Jordan

“Jerrid and Jessica were wonderful to work with. The whole process was way quicker then I expected plus I got a weekly update letting me know where we were at in the process. Jerrid was very quick to respond with any questions I had as well! Thanks!”

Jon

“Great Team that always gets back to you with answers!!”

Eric

“BAM team is great! They are knowledgeable and make the whole process fun!”

Kelly

“I have worked with Bryan for a little over a year now and I can say that he is a master at his craft. I truly enjoy having him as part of the team. He is always willing to help and has a positive attitude. Looking forward to working with him and the BAM team for years to come.”

Bob

“Go see Chris Forest. He is excellent to work with. He answered all of my questions in a timely and professional manner. They had everything all set up 2 weeks before closing and made my home purchase a breeze!”

Dakota

“As a person who has valued excellent customer service, and works in professions that require it – I say Jon tops us all! Jon is professional, personable, caring, and knowledgeable – ALL OF THE TIME! This is unbelievable – but true. He either picks up immediately when you call, or calls you back with a minute – no exaggeration. His knowledge is extensive – he draws expertly from it, to tailor the proper mortgage lender for you. His work is impressive, and valuable, as mortgages are generally the largest part of most financial portfolios. I can recommend Jon with NO reservations. He is hard-working and caring, honest and smart. If you want peace of mind – call Jon Hill. It has been a pleasure to work with him and his team”

Cheryl

“The best experience I've ever had, Jerrid team was fast, have excellent communication, accessible at any time, respectful and professional. Thanks!!!”

Ricardo

“Sam and Chris took care of virtually everything for me and made the process EASY! And Chris came back to me after the first time when the percentage wasn’t low enough for me to refinance, he waited until it was and then came back and let me know we could do it!”

Heidi

“Jerrid was our loan officer for our first time home purchase and the experience we had with him was amazing. He answered our questions right away and was always willing to explain to us. We had such a good time with having him as our loan officer and will definitely get in touch with him again in the future.”

Vang

“Jerrid had helped me with a refinance and I just want to say he is an amazing employee. Jerrid went above and beyond. He clarified all the procedures and made me very comfortable with the transaction. After the loan closed the loan was sold and Jerrid went out of his way to make sure that I was able to make my payments to my new servicer. I will recommend him to anyone who could benefit from his services. Thank you.”

Norma

“I don’t have enough nice things I can say about Sam. He walked me through the process every step of the way. From our perspective he was available 24/7, and answered the same questions multiple times to make sure we fully understood what was happening.”

Felicia

“Since the beginning it was a very easy interaction Marco was able to get our numbers to a better deal, and a better house for the wife which was the end goal, Sam was also very good at getting us on track to close on the due date even though it was a bit hectic on our end. They made sure we were on time for closing”

Eduardo

“Fast and friendly Assured I got best rates Available to answer my questions and help me as needed .”

Patty

“We had an awesome experience with Refined Lending, a division of Luminate Bank,. Mike was such a positive in months of negatives. Buying a home during a pandemic was super stressful, but Mike was there every step of the way. He was a great communicator and helped us throughout many stressful situations. Thanks to him and the Refined Lending, a division of Luminate Bank, team, we have enjoyed our beautiful home for over 10 months now. We will continue to recommend Refined Lending, a division of Luminate Bank, to any of our friends looking to buy a home.”

Costello

“Jerrid made the pre-approval process super easy and was extremely flexible to work with! It was very easy to communicate with him and any minor issues were resolved promptly. Thanks to everyone at Refined Lending, a division of Luminate Bank, for helping us with our home purchase.”

sam

“My fiancé and I were able to purchase our first home thanks to the amazing work of Jon Hill! Jon was extremely patient with us and walked us through every step of homebuying. Jon was excellent with communication and was excellent to work with! Thank you Jon!”

Taylor

“Jon then the years, Jon has done a Mortgage and 2 refinances. Outstanding in his field. Really knows the loan business. Knows how to help and very reassuring when things aren’t going as smoothly as you expected it to go. Will give him the top rating and would highly recommend him!”

Mary

“David Kelly was an amazing partner, and was able to get my property refinanced when no one else could. My situation was fairly complicated, but David took the time to look at approaches that other lenders hadn’t considered and the end result was even better than i had hoped for when I started the process. Can’t say enough about the job David did, and would strongly recommend him to anyone looking for a loan!”

Craig

“Very easy to work with. The entire process was quick and simple! Thank you”

Jenny

“Awesome and so easy to work with. Was running and working around the clock to get my numbers as I requested them. Very helpful in everyway possible. Wife and I enjoyed working with Jerrid very much and highly recommend him to anyone looking for financing for a home!”

Yeng

“Big thanks to Jerrid for helping to sort out my refinance. He went out of his way to get me the best rates available. Jerrid was always timely with his responses and worked well with my schedule.”

Brian

“Our experience with Jerrid was nothing short of amazing! We had a unique situation when it came to refinancing our home and we were not sure what to expect coming into this. Throughout the entire process Jerrid kept us updated and explained each step so we know how everything was going. When we had Questions Jerrid was always there to respond and when we ran into bumps in the road he would stay connected with is until it was resolved! We couldn’t be happier with our experience and if there was an option for a 6th star he would’ve received it from me and my wife!”

Georgiy

“We received professional support and helpful on our first home purchase. Every question we had was answered in a timely manner. Jerrid Boutto, Katie and the rest of the team was easy to talk to and made sure we understood everything that was presented to us. We were very pleased with the interest rate we received. Jerrid and the rest of the team went above and beyond to make buying our first home an incredibly easy and straightforward process. We will absolutely use Jerrid and the rest of Arvold team again in the future and would highly recommend them to the new buyers. Thank you so much from the bottom of my heart.”

Ali

“Arvold mortgage team and Refined Lending, a division of Luminate Bank, were amazing and very helpful with my refinance.”

Chris

“Jakob was incredible, I truly have no words for the job he did. Just an amazing person to work with.”

Brya

“Our online experience was timely, efficient and on target at all times. At our request the mortgage application was processed faster than usual so we could potentially advance the closing date. If given the need we would definitely use Jon’s services again.”

Gary

“Jon was very easy and amazing to work with. Answered all my questions and totally walked me through the process.”

Cheryl

“He helped us through the process of refinancing our home. He made the process easy and everything went smoothly. It was completed way faster than I had expected! He was always available to answer any questions I had and was very easy to work with. He made us feel like we were valued clients. I am very pleased with the overall experience with Jon and will recommend him to our friends.”

Diane

“I would like to take this opportunity to thank Jon Hill from the bottom my heart. He made applying for a mortgage a breeze and now I am a proud homeowner because of his diligence. From the very start, he and his team were professional but also very understanding of my unique situation. They went out of their way to make things very easy, from gathering the documents and navigating the numerous requirements. They were responsive to all my emails and questions all the time and Jon continued to reassure me throughout the process until closing. I would not hesitate to recommend Jon as he is the best of the best. Thank you again for making my wish come true.”

Sapna

“Aaron Oliver and the rest of the team are rock-stars! They’re prompt, thorough and easy to work with. They definitely have the process dialed in. The whole refinance process was probably easier to do than my last car purchase. I’m saving a ton of money vs my last mortgage. I highly recommend them!”

Emil

“Jerrid did a fantastic job in helping our first time home buying client getting into her first home. Great service, great programs, and great follow up!”

Jereomy

“Jerrid is timely and responsive. He is focused and ready to make a transaction possible. He has taken feedback well and provided information when I need it. I see him as an asset to the home buying process.”

Lindsey

“Buying a home can be stressful, especially your first home. Jerrid was there to answer all my silly questions no matter what time or day of the week it was. He gave me some confidence throughout the process, that made everything else easy.”

Vamougne

“Jerrid is a very knowledgeable lender and super responsive. Jerrid is the man to go to. Always helpful and answered any questions I had.”

Jenna

“Very informative, open, honest and punctual.”

Anthony

“I’ve spoken with Jerrid several times in preparation of my upcoming refinance and he has been extremely helpful and informational. Looking forward to finishing the deal, thanks Jerrid!”

Connor

“Jerrid was quick to get the team in gear, always made himself available, worked to find ways to suit what we needed to get through the process, and was knowledgeable to answer any questions we had. Not to mention, was ready to close earlier than asked for in case of early sale.”

Aya

“As first-time home buyers, we had many questions and Jerrid was available for them day or night! Always responding in a timely manner, very knowledgeable and personable. He made this experience enjoyable and is a true asset to this company! He will definitely be our go to for referrals.”

Zoua

“My partner and I have been working with Sam R and have had a wonderful experience! He is responsive, professional, and has made the pre-approval process a breeze!”

Abby

“We worked with Sam Rickenbach to refinance our house over the summer. He was very helpful throughout the whole process, was super responsive when we had questions, and worked hard to make the process quick and simple for us. We’d absolutely recommend working with Sam!”

Megan

“First time home buyer and I already know this is the best customer service I will ever have.”

Kerry

“Jerrid was always available to answer all my questions and to assist me in filling out all my paper work. Jerrid is a very competent young man who wants only the best for his clients. I recommend him to anyone.”

Jerry

“I was recommended from my realtor to the Mike Arvold team and I am more than satisfied. I worked closely with Jerrid Boutto. Being a first time homebuyer I had no idea where to start and Jerrid helped me every step of the way! Walked me through every single step. Extremely helpful, knowledgeable, quick responses, and more. The process of buying a house, especially for the first time is stressful but Jerrid and the Arvold team def made it as easy as anybody could! I couldn’t have imagined working with any other team. Very satisfied! Would definitely recommend and definitely work with again! Thank you Mike Arvold team and Jerrid!”

Christina

“Mary was seriously the best! Friendly! Organized! Available! Informative! Knowledgeable! She never missed a beat no matter the time of day or night, and she knew the answer to every question I had and always went over and above my expectations. I have purchased homes before but this experience was like no other. It was so cool to meet her in person at closing because you spend so much time talking over email and phone. I told her she got the award for best lender ever and I meant it! There is something to be said to be able to deal with a real person and not just be a number amoungst numbers in a pile a mile high of other applications. I think she answered every single phone call the whole time we worked together. I could go on and on but the bottom line is she is the best! I was not paid to say this! I am just a real person, I’m a single Mom, and she helped my dreams come true! Thanks again Mary! Jenny”

Jenny

“Bryan was so helpful when I was considering refinancing our home. He answered all my questions and had our refinancing done in 27 days. He was awesome and have referred him to friends! Thanks Bryan!”

Dawn

“Such a great experience! Chris Forest was extremely professional and I would highly recommend!”

Justin

“This was the best Experience I’ve had with a lender! Friendly experience and Quick responses by Dustin Christen. Very knowledgeable about my questions and always had my interest at heart. Would recommend him to all my family and friends.”

Vincent

“Sam is an up-and-coming energetic young man I would do business with him anytime”

Kevin

“Chris Dunn was amazing in helping me through the first-time home buying process! It was incredibly important for me to feel like I trusted my lender. Chris talked to me in terms I understood and his team was incredibly responsive when we got down to the wire! The WISH program is a great opportunity and I’d suggest it to anyone who can make it work.”

Kimberly

“Chris was very helpful all the way through a daunting process. He made it as easy as possible and worked with my difficult situation. His pro-active approach with communication built a trust I have recommended to everyone I know who needs financing. Thank you!”

Sarah

“Mike and Ann Spindler were wonderful to work with. They were always prompt to help me and answer any questions I had during the process of buying my home. Their professionalism and honesty made everything so easy during the whole process. I recommend them to everyone I know for new purchases and for refinances. I look forward to using them in the future!”

Kendra

“Working with Bryan and his Team at Refined Lending, a division of Luminate Bank, over the years has been great. We recently moved to Eden Prairie and used Bryan for the 2nd time on our home loan and that was literally the best part of moving. They were proactive, explained everything in detail (since I am a numbers guy) and I felt like we got a great deal on our mortgage. I would highly recommend him.”

Derek

“Bryan Kiani & Mike Spindler – The BAM Team have been absolutely amazing business partners. As a Real Estate Agent I need to know my clients are in the best hands from start to finish. I have always felt like a priority and never a burden. They are always there to help answer any questions or concerns. They are absolutely my “go to” team when it comes to a preferred lender!”

Cheri

“My real estate team and I work with the Refined Coon Rapids Team frequently. Their entire team is professional, personable, and extremely responsive. We have enjoyed placing countless clients in the care of Mike, Aaron, Brian and team with great success. Hardworking team that will answer questions and share their collective wealth of industry knowledge to help you & your clients succeed. They are our preferred lending partner for a reason!”

Nicholas

“Dustin was an absolute pleasure to work with from the very beginning right until the end. He was honest with me every step of the way and was there to answer any questions I had, big or small. It was a very simple and painless process and I’m so glad I got to work with Dustin and have already referred friends his way!”

Vanessa

“It was a great experience working with Jerrid and his team! He was incredibly responsive and informative, which helped ease our nerves a lot as first-time homebuyers. It was a seamless process and the weekly updates kept us all on the same page. He and Jordan worked great together to make sure our offers got in on time. We trusted him throughout the whole process and we definitely felt valued as a client. Thank you so much!”

Kassandra

“Bryan Kiani and Mike Spindler have never let me down as a real estate agent!! We have always gotten the transaction to closing and had fun while doing it! They are professional and positive people who know what they are doing. Thank you Bryan and Mike!”

Sarah

“I rarely have the opportunity to work with a lender that carries a sense of humor and a high level of knowledge about the mortgage process…as crazy as that sounds. Typically there is a trade off. Humor and a lack of knowledge or high levels of knowledge and you get a robot. Bryan brings a wealth of experience, knowledge, humor and reality to the mortgage lending experience…and it’s a breath of fresh air to see his clients (and my own) actually enjoy the experience and feel represented. If you happen to be interviewing Bryan or looking for a second opinion, look no further. I am extremely specific about who I work with and recommend in this area of expertise. Know that you will be well served, well informed and know that your best interests are always represented.”

Dustin

“We had the best time working with Tony Schaffer at Refined Lending, a division of Luminate Bank,, for our first time home-buying. He was attentive, detail-oriented, responsive, and always set realistic expectations for us, in buying our first home. And then even after closing day had ended, he let us use the company van for our whole move in! we couldn’t have asked for anything more. Thank you so much, Tony at Refined Lending, a division of Luminate Bank,!! We’re so happy with our very first home buying experience.”

Deena

“Highly recommended!! Jon Hill was very easy to work with and helped me through every question I had. If anyone is thinking about working with a lender, Jon can help. Thank you Jon!!”

Dechen

“My husband and I have had a great experience with Refined Lending, a division of Luminate Bank, so far and it’s only just the beginning. Sarah Adams introduced us to Chris Forest, who is a well educated and professional loan officer. Chris had us pre-approved one day after we filled out the pre-approval forms! Talk about being prompt and knowing how to put his customers first. Very impressed! Sarah has been so helpful as well! Refined Lending, a division of Luminate Bank, sure has the best team out there!”

Abigail

“I want to thank Jerrid Boutto and Chan Slettehaugh for their hard work and made it possible for me to close my home. Jerrid Boutto worked so hard to make sure I was able to close my home today and it was the best day of my life. 🙂 As a Mortgage Loan Originator and being a middle person with everything else, he is the person you can count on and he will guide you in the right direction financially. Thank you!!!”

Regina

“Jerrid and Chan S, Worked hard to help me find my new place. Jerrid’s Team were very helpful all the way up to closing on Tuesday 8/31. Both Chan and Jerrid’s teams were very helpful from start to finish.”

Amy

“Sam was absolutely fantastic! I had many questions and he was patient and knowledgeable every step of the way. He made us feel like we were his top priority and his communication was absolutely excellent. A huge thank you to Sam for making our home buying process seamless and easy!!”

Kristin

“Sam was great! Very helpful in us understanding the process, and very helpful with us planning the whole thing so we could determine both our budget and interest rate. Thanks Sam! Our adventure started with your help!”

Darin

“If you’re looking for a Mortgage Loan Originator, Jared is your go to guy! He made purchasing my first home a breeze! Jared checked in weekly to see if I was considering any houses and would calculate the monthly and down payment within the hour, which was super helpful in determining the right house for me. He was up front and honest about how much house I could afford and was helpful in explaining the unfamiliar financing terms so I knew exactly what was expected of me. Most importantly, Jared was very personable and treated me as he would a friend, making me feel comfortable in the offers we put down. I would recommend Jared 110%!”

Chelsea

“Jon Hill from Refined Lending, a division of Luminate Bank, is an absolute dream as a Realtor to work with! Put simply, his knowledge of the industry and his unprecedented communication skills provides all my clients the level of comfort they need to make smart educated decisions. Jon truly cares about what he does and it shows each and every day in his business dealings. I simply cannot say enough wonderful things about Jon Hill and his team! I would highly recommend Jon Hill for all your lending needs.”

Kieran

“Wanted to get refinance and get cash out to do some home improvements. Based on my situation that was not possible. Chris was very honest and explained to me that there were still huge benefits to refinancing at that time. Got an amazing rate, and lowered my payment big time. He was awesome and so was everyone I spoke with during the process.”

Jack

“Topnotch Personable Quick response Kept me informed”

Patty

“Chris’s performance during our refinance was amazing. He maintained communication through the entire process and always had a possible solution prior to presenting an issue. This is the second time we have worked with Chris and I would highly recommend him.”

Chris

“Jon Hill did a totally awesome job. He walked us through the whole experience. He explained the process and addressed all of our concerns. He made himself available for after hour discussions and performed follow that of tasks as promised. I would highly recommend Jon to anyone looking to refinance or taking out a new loan.”

Joe & Barb

“If you want to lower your house payment without even leaving your couch, and have all the information you need without feeling confused, then Jon Hill is for you! We never left the house, got all questions answered clear and precisely, and he is very upfront/blunt which I respect. Get the point kind of guy. I enjoyed working with him for our refinance.”

Angel

“Everything was done in a fast and professional manner, most documents were signed online. They were available for questions and guidance along the way.”

Blythe

“I worked with Jennifer Lehnen to purchase my home. She was helpful throughout the entire process. She not only made sure she was available nights and weekends to answer questions and run payments but she also took into account our long term financial goals. She was spot on with her market knowledge and made the process enjoyable and fun. She is our mortgage expert for life. Would recommend her to all friends, family and co-workers.”

Luke

“Excellent service. always available for questions and concerns. went above and beyond to ensure the best deal and understanding. very pleased with Chris and his team for our new home.”

Kenneth

“Jenna Toedter was such a great partner to work with when buying my first home! She explained everything I needed to know about the home-buying process, connected me with a top-notch realtor, and carried me to the finish line in a tough home-buying market. She never pushed me into anything and was always checking in to make sure I was comfortable with my loan amount. I’d recommend Jenna and her team at Refined Lending, a division of Luminate Bank, to anyone.”

Brett

“It has been such an amazing and smooth experience working with Tony. Before Tony we went through 3 other mortgage loan officers with other lenders and have no regrets leaving them all for Tony. Tony is first and foremost respectful of you and whatever your situation may be. (My husband and I were first time home buyers with minimal home buying experience). He was patient in explaining everything to us and making sure we understood and were comfortable with every step we took. I will forever remember my first home buying experience positively thanks to Tony Schaefer. Tony, I don’t know you personally but I am sure you’re a great human being and you bring it into your work. Stay amazing. Thanks for all your hard work and patience.”

Sophie

“Helped me from start to finish and went into detail on the things I needed and how to get them. Would recommend to anyone trying to buy a house!”

Michelle

“As a first-time homeowner, the process with Jerrid and Refined Lending, a division of Luminate Bank, couldn’t have gone smoother. Communication was seamless, and he was able to answer all my questions and advocate for me every step of the way. I would highly recommend him!”

Erin

“Very responsive, open, and honest. In this market you need someone like Jerrid Boutto on your team. Swift pre approval letters on nights and weekends are an important piece in getting an accepted offer. Couldn’t have asked for better service.”

Anthony

“Jerrid helped me with credit repair & getting out of an FHA loan & into a Conventional loan. He helped me get money out & a lower interest rate & monthly payment. I would recommend this service to anyone who is thinking about refinancing. Jerrid & his team made it to easy & smooth.”

April

“Annie Moua helped my family with the purchase of our home. We were looking to buy our second home and received an abundance of help from Annie at Refined Lending, a division of Luminate Bank,. She was very informative and responsive with our questions about the lending process. She helped us through the entire process with the financial aspects of home buying. The process went smoothly with no hiccups! She also followed up with us after the purchase of our home which was very much appreciated. We highly recommend partnering with Annie at Refined Lending, a division of Luminate Bank,.”

Mysee

“Jon was really informative about all the steps we had to take and thoroughly walked us through the whole loan process. Thanks So much for all your help Jon!”

Uzir

“Jon Hill assisted us in financing our first home. He was extremely responsive and professional. Overall, it was a great experience working with him.”

Tyler

“I run a real estate team called To The Twin Cities that serves the entire twin cities metro, and help primarily buyers, and a lot of folks who are relocating to Minnesota. Michael, Bryan & Aaron are our absolute go-to, preferred lenders. I trust them to crush it for every single client that reaches out to us.”

Jesse

“Mike and his loan team are super wonderful people to work with. They can do magic they were able to do possibilities they Switched my loan to second home and we closed in a timely frame. Jerrid the loan originator is so prompt at communicating he makes me feel eased and confident with the loan process. It had been a awesome journey working with the best loan team. I love definitely love to work with the Mike Arvold Team over and over. I will refer the good words to friends and family for loan home and refinance loan. Arlun”

Arlun

“Jerrid is amazing to work with!!! I love how quick he is to reply back on my emails and texts!!! If there’s something I’m unsure or my client is unsure he does such a wonderful and thorough job at explaining. He’s never disappointed me nor my clients. Thank you so much for the exceptional working you provide!”

Kangbao

“Sat with Jerrid to look over my buying power. When I’m ready to buy I know where to go!”

Daniel

“Jerrid is very knowledgeable and really helped me understand the whole process. Highly recommended!”

Kevin

“Jerrid was highly knowledgeable about the refinance process, and guided and educated me on the process the whole way through. Even though it didn’t make sense for me to complete the refinancing at the time, I sure know who I will call when the timing is right!”

Dena

“Dustin was so helpful! So many details and he simplified them. He was very thorough and informative from start to finish. Thank you Dustin!”

Donna

“Went to Jerrid to help with my refinance and instead of treating it like an easy sale he guided me to do a HELOC instead as it fit my needs better for my current situation. I will for sure use Jerrid for any mortgage needs in the future.”

Ryan

“John spent an extensive amount of time finding out the best solution for my life and families needs. He went above and beyond to source various options and came up with back up plans and solutions to eliminate any issues before they arose. John made the experience a stress free and enjoyable refinance! Thanks a lot John!”

Molly

“Jerid was awesome he went way above and beyond.His attention to detail and everything was impeccable I would recommend him in a heart beat. It was my pleasure working with him.”

Michael

“I have had a great experience working with Sam Rickenbach. He has made the pre-approval process simple and stress-free!”

Rio

“If someone out there is looking for a Mortgage Loan Originator Organization, look no further than Refined Lending, a division of Luminate Bank,. The team I’ve been working with, Sami Ragsdale, Wendy Guerrero-Cruz and Mike VonBank (heck, the guy even has “Bank” in his name) are top notch!! They are infinitely knowledgeable (which is nice for a guy that knows nothing about lending). They are immediately responsive (and when you’re about to spend a bit of money on a house, “responsive” equals peace of mind). And they are just all around nice folks – calling when I request a call, kindly helping me through weird paperwork and silly questions and nicely nudging me when I need a gentle reminder that some piece of paper is necessary or a signature is due. These folks have made the mortgage loan process about as painless as signing your name 42-times could ever be. They seriously are the bomb!!! Thanks gang!!”

Daniel

“Bryan was the 3rd lender we worked with and not only did we get the best deal with him, the process was so much faster and easier with him than with anyone I’ve worked with before. We won’t hesitate to reach out to him for our future mortgage needs!”

Joey

“Absolutely fantastic, quick and easy. John was great to work with and kept me informed the whole way through. Highly recommend!”

John

“Bryan was great. He was always very quick to respond to our questions, and never made us feel silly for asking newbie questions as this was our first home purchase. Highly recommend.”

Maria

“I recently bought a condo with Refined Lending, a division of Luminate Bank,, and working with them was absolutely amazing! My lending team so was responsive, so professional, and so excited to help me buy my first home. They advocated for me when I encountered challenges, and I could tell that they were truly excited for me when we closed on my new home! I highly recommend working with Refined Lending, a division of Luminate Bank, with no hesitation!”

Tom

“Jerrid has become such a great Mortgage Loan Originator. I would recommend him to anyone and everyone. He refinanced my mothers home and she couldn’t be happier. Here’s to your continued success”

Liya

“I worked with the Mike Arvold Team due to a recommendation from my realtor. I stayed working with them because Jerrid Boutto’s professionalism. Jerrid put into perspective what the costs would be in different, realistic scenarios and was incredibly responsive with emails, texts, and calls. Throughout the closing process, I was incredibly anxious and just unsure and confused about the process (for probably the umpteenth time), and I just gave Jerrid a call for clarification. Jerrid was totally understandable and walked me through the process again and helped put my anxiety to rest. After just one weekend of looking at houses, I’ve officially joined the homeowner’s club early this September! I could not have done it without Jerrid or the Mike Arvold Team!”

Noelia

“Fantastic!”

Phillip

“Sam is an exceptional LO. The quality of service he provided is top notch. He’s knowledgeable about products and explaining everything every step of the way. I’ve recommended Sam to all of my friends and family that are now in the process of looking to purchase.”

Charneice

“My wife and I had nothing but an optimal experience with Bryan and the team at Refined Lending, a division of Luminate Bank,. From day one, the team took the time to answer our questions along with continuing to support us throughout the process.”

Charles

“Mike and Wendy at Refined Lending, a division of Luminate Bank, were easy to work with and professional throughout the whole mortgage process. As we went through a quick 1 month process from pre-approval to closing, they communicated with me every step of the way. I highly recommend Mike and his team at Refined Lending, a division of Luminate Bank, for anyone looking to finance a home purchase.”

Steve

“We had the absolute best experience with refinancing our home with Tony Schaefer. He was very attentive, organized, and prompt with responding to our questions. He took the time to deal with our abundance of questions and get us the best deal possible for refinancing! The process was super easy and not stressful thanks to Tony! We highly, highly recommend him! Thank you!”

Shilow

“Extremely friendly with outgoing personality. Helped us through the whole process with ease and kept us up to date with information. Pleasant experience all around! Would highly recommend Jerrid to everyone I know.”

Rachel

“Dustin was absolutely a delight to work with. From the beginning to the end he held my hand and walked me through the process. It was a seamless process and he was always available to speak with me. Thank you Dustin for your kindness and I wish you the best!”

Margaret

“Bryan Kiani and his team are truly top notch! They have gone above and beyond for me, and I am forever grateful! Bryan’s industry knowledge and experience really helped in some tricky spots. I highly recommend them!!”

Brooks

“Jerrid took on my portfolio mid-way through my home search, and I could not have wished for a better broker to do so. He incredibly knowledgable and is still answering my questions to this day. Lightning fast response times to boot! I’m 100% referring to Jerrid when I buy my next property.”

Vinh

“Bryan has been a pleasure to work with and has been one of my trusted lender partners. He is thorough and impactful with his work. Thanks Bryan for all you do and continue to do for my clients.”

Tina

“As a realtor, I understand how important for home buyers to have a local lending source that is reliable, knowledgeable, and works in the best interest of the home buyer. Refined Lending, a division of Luminate Bank, has been flawless in execution of financing products in the transactions I have worked on with them. Easily one of the best mortgage companies in MN!”

Shawn

“Bryan Kiani is my go to guy! Not only professionally being a Real Estate Broker but also personally. Bryan’s customer service with my clients that I send his way is top notch and everyone is always pleased with him. Personally, my wife and I have used him going on 3 times in the last 7 years and we wouldn’t go with anyone else! You will not be disappointed working with Bryan Kiani!!!”

Josh

“Jim Palmer worked with me and he did not give up on me I really appreciate the hard work and dedication he put in thanks Jim”

Karissa

“Jon Hill and his team are absolute professionals, it was a pleasure working with them. 5 stars”

Darren

“So easy to work with professional and super responsive!! Jon is the man to go to!!”

Tenzin

“Sam was phenomenal. I am an agent in Indiana and we had a mutual client. He handled everything throughout the process professionally as well as promptly. I was very happy with out transaction and will be including Sam on my lender list. Thank you for all your help!”

Stephani

“My experience with Fritz as my Mortgage Loan Originator was nothing but exceptional. He was very hands on and helpful with all my lending needs. He made it clear from the beginning that if I had any questions along the way, day or night, to not be afraid and ask. Fritz was also very prompt with his responses. He has a great knowledge of mortgage banking and he remained highly professional throughout the whole process. I would recommend Fritz to anyone shopping for a home mortgage!”

Aric

“Jon Hill was great to work with. Very glad I was able to have him by my side. Thanks for everything Jon.”

LaTrese

“Sam was punctual, helpful, and responsive. He made sure we got all of our paperwork done ahead of time so day of we just had to get the transfers done”

Anne

“Jerrid Boutto from the RL team is the complete package for anyone even remotely thinking about buying a home. His knowledge about everything you’ll have questions about during the whole process is a very comforting feeling to have. He’s in it with you from start to finish and I couldn’t have asked for a better person to help me buy my first house in this crazy market. If your in the market for a house look Jerrid Bouttos way.”

Scott

“I had dealt with a few lenders in the past and they were all pale in comparison to the satisfaction of working with Jerrid Boutto. Right from the beginning, Jerrid’s personal touch and attention to details has made my home purchase experience stress-free. Jerrid is patient, listens and understands my needs. Throughout the process, I has never felt like I was just another borrower. Jerrid has gone above and beyond to make me feel that I matter; and not giving up easily till all avenues have been exhausted. Jerrid’s professionalism and support has not just landed him a loyal customer but built a long-lasting friendship. It has been an absolute pleasure to work with Jerrid and I look forward to working with him again in the future.”

Chai

“Jerrid Boutto and the entire RL team were AMAZING. As both a Realtor and buyer, I saw firsthand their hard work and attention to detail. Jerrid was able to get our loan to close 3 whole weeks earlier than the contract. Diligent and committed to serving their clients, I’d recommend Jerrid Boutto and RL to anyone I know.”

Chan

“Jerrid is hands down the best person to work with when buying a home. He took the time to get to know us and what was important to us. We had some challenges in being able to qualify, but he spent the time to go over everything and create a plan for us. He went above and beyond multiple times during our home buying process and always made us feel like we were his only client. He is just simply a great person and we can’t recommend him enough!!! We will be working with Jerrid and Refined Lending, a division of Luminate Bank, again in the future!”

Angie

“Jon Hill helped us with our recent refinancing. Couldn't be happier with the efficiency, outcome and advice we received from Jon. We will return when/if there's a need in the future. Thanks Jon!”

Ken

“Awesome experience. I have used Chris 3 times for mortgages. He has been great every time. Thank you again Chris!”

Dave

“Jennifer L. was great to work with. The refinance process went very smooth. She is very knowledgeable and answered all my questions and offered a variety of solutions. So nice to work with someone who knows their stuff. She was very accommodating. I would definitely go through her again for any mortgage issue. She offered options that other companies did not, which saved me money. Great service. Thanks!”

Geanine

“Jennifer was wonderful to work with, our mortgage was pretty complicated and Jennifer was able to work through it perfectly. She was professional, prompt and kind. Thanks!”

Leslie

“Professional, simple process, they made it easy for us.”

Todd

“Big thanks to Jerrid for helping to sort out my refinance. He went out of his way to get me the best rates available. Jerrid was always timely with his responses and worked well with my schedule.”

Brian

“Jon Hill helped me twice refinancing my house, and both times there were some extremely challenging parts in both. Jon was absolutely fantastic in securing every detail and working tirelessly to make sure that the refinancing could happen for my unique situation. I would definitely recommend him every time. Thank you Jon!”

Kim Y