Angie Gerhardson, Helping YOU Realize your Dream of Homeownership! (Luminate Home Loans, Inc. - NMLS# 150953) Mortgage and Lending



Angie Gerhardson
Helping YOU Realize your Dream of Homeownership!
location_on Isanti, MN — Luminate Home Loans, Inc. - NMLS# 150953
NMLS# 274125
Get to Know Angie Gerhardson


Never turn down a free lunch because it may end up finding you the career of your dreams.  I have been in the Real Estate industry for almost 24 years now.  I actually started in Real Estate as a Realtor when I was 19 years old.  I had the stars in my eyes and thought that it would be so fun to sit in a house, serve juice and cookies, and sell houses all day long.  I laugh out loud every time I think about how naïve I was back then and how hard it must have been for people to take me seriously at that age.  😊   I have so much respect for every Realtor I know because it is not easy and they deserve some serious props!   I knew I was hooked on Real Estate, but this was not my niche. 


When I realized that I needed to find another way to work in Real Estate that fit me better, I was lucky enough to get invited to a lunch meeting with the in-house mortgage company in my Real Estate office.  They were looking for a new loan officer for their branch and offered me a position in the same office I was working in already and to teach me everything I needed to know.  Let’s just put this into perspective here:  The only thing I knew about a “Mortgage” before I went to Real Estate school was when you flipped over your property card in Monopoly, you got Money from the bank.  This is why I always tell my clients that “there are NO stupid questions”.  I’m sure I’ve had them all myself. 


I feel very lucky to have gotten that opportunity dropped in my lap at such a perfect time.  I entered the Mortgage business when rates were high, and believe it or not, people were still buying houses!  In a more difficult market, I quickly learned the value of relationships and making the mortgage experience second to none for all of my clients.  I pride myself on being accessible, knowledgeable, and understanding of the needs of my clients and referral partners.  I always aim to help people with compassion, kindness, and respect. 


There is nothing else I would rather be doing than helping as many families as I can realize the dream of homeownership and making sure that they are in the best financial position possible.  Helping people, in any aspect of life, is who I am at the core and having the ability to do just that, every day, is amazing.  I can’t wait to help you, and everyone you know, make your homeownership dreams a reality.  


We offer a wide rage of loans including Conventional, FHA, VA mortgages, Rural Housing loans with No Down Payment, Credit Problems, 80/15/5, Jumbo Loans, Challenged Credit Loans, High Debt Ratio Loans, Second & Third Mortgages, Investment Properties, First Time Homebuyer Loans, and much more! 

Trying to find the right home loan can be difficult. Finding the right company to help you get your loan can be even more confusing. With literally thousands of lenders to choose from, borrowers can easily become overwhelmed.

Fortunately, at Luminate Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first.

You will find that the skill, professionalism, and consideration we give to each of our clients make getting your loan a successful endeavor.



Top Producer Award 2020

Voted Best Mortgage Company in Isanti County 5 Years Running:  2016, 2017, 2018, 2019 & 2020



I LOVE that I can help families, first time homebuyers, and move-up buyers realize their dreams of homeownership. It is such an amazing thing to be there for that big step in someone’s life.