Luminate Bank Refined Lending Team

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Luminate Bank Refined Lending Team Loan production office of Luminate Bank. NMLS 1281698 | Equal Housing Lender | Member FDIC

10/15/2026

Feeling like your current house has gotten a little too small? 🏡 Maybe it's time for a conversation.

Katie Ogroske, Mortgage Loan Originator at Luminate Bank, works with move-up buyers every day. No sales pitch, no pressure, no commitment. Just a real conversation to figure out what you can do and how she can help you get there.

Even if you're just starting to think about it, a plan is a great place to start.

💬 Let's talk!

Katie Ogroske, Mortgage Loan Originator, NMLS #1900506
Luminate Bank
📞 507-208-0023 | ✉️ [email protected]

10/13/2026

Buying your very first home? Upgrading for more space? Ready to downsize? 🏡

Mike Arvold, Mortgage Branch Manager at Luminate Bank, has worked with buyers at every one of these stages. First-timers taking the leap, growing families needing room to breathe, and folks ready to simplify and downsize.

Every situation is different, and that's exactly why Mike loves this job. Wherever you're at, he can help.

💬 Connect with Mike today!

Mike Arvold, Mortgage Branch Manager, NMLS
#616278
Luminate Bank
📞 763-639-9171 | ✉️ [email protected]

10/08/2026

Ever feel like a loan officer is just trying to sell you something? 🤔

Katie Ogroske, Mortgage Loan Originator at Luminate Bank, wants to change that. She loves working with people, getting to know their story, and being someone they can trust to give honest answers. No pressure and no sales pitch. Just the best options to get you into a home comfortably. 🏡

That's why she loves what she does.

💬 Have a question about buying a home? Reach out to Katie anytime.

Katie Ogroske, Mortgage Loan Originator, NMLS #1900506
Luminate Bank
📞 507-208-0023 | ✉️ [email protected]

10/06/2026

Building your dream home? 🏗️ The financing side doesn't have to be confusing, there's actually more than one way to make it work.

Mike Arvold, Mortgage Branch Manager at Luminate Bank, offers both One-Time Close and Traditional Two-Time Close construction loan options, so depending on your situation, there's a path that fits.

Mike works directly with builders all across the U.S., and Luminate Bank even offers financing programs for builders themselves. Watching everyone's creativity come to life is his favorite part of the job.

If you're thinking about building, or even just have questions about the process, let's chat! 💬

Mike Arvold, Mortgage Branch Manager, NMLS
#616278
Luminate Bank
📞 763-639-9171 | ✉️ [email protected]

10/01/2026

"You need 20% down to buy a house." ❌ Nope — that's a myth, and it's keeping a lot of people from even asking the question.

Katie Ogroske, Mortgage Loan Originator at Luminate Bank, wants first-time buyers to know: you can buy a home for as little as $1,000 down. 🏡

Not planning to buy for another year? Doesn't matter — now is exactly the time to talk, build a plan, and know where you stand so you're ready when the time comes.

💬 Call Katie today — even if you're just starting to think about it.

Katie Ogroske, Mortgage Loan Originator, NMLS #1900506
Luminate Bank

📞 507-208-0023 | ✉️ [email protected]

09/29/2026

New job. New city. New house — but you haven't sold your old one yet. 🏠➡️🏡

This happens ALL the time. It's exactly why Luminate Bank offers the Buy Before You Sell program.

It lets you purchase your new home without your offer being contingent on selling your current one first. So instead of waiting — and possibly losing the house you want — you can move on your timeline.

If life is throwing a fast move your way, this might be exactly what you need.

💬 Let's connect and talk through your options!

Chris Dunn, Mortgage Loan Originator, NMLS
#282113
Luminate Bank
📞 612-618-3888 | ✉️ [email protected]

09/22/2026

"Buying a home feels unattainable." 😰 If that thought has crossed your mind, this is for you.

Katie Ogroske, Mortgage Loan Originator at Luminate Bank, hears the same first-time homebuyer questions every day:
✅ How much down payment do I actually need?
✅ What credit score qualifies me for a mortgage?
✅ How do I calculate what my payment will be?

Normal questions, every one. You don't need the answers before you call — you just need to call. That's step one to homeownership. 🏡

💬 Comment your homebuying question below, or reach out to Katie directly.

Katie Ogroske, Mortgage Loan Originator, NMLS #1900506
Luminate Bank | Blaine, MN
📞 507-208-0023 | ✉️ [email protected]

09/17/2026

You got pre-approved. The condo did, too, right? Here’s the part of condo shopping that can catch you by surprise: getting pre-approved doesn’t
automatically mean every condo you choose will qualify for your mortgage. We may need to review the condo project, including the HOA, insurance, reserves, repairs, and potential assessments.

Let’s talk before you make an offer. A little homework upfront can help you avoid some big surprises later.

You got pre-approved. Time to celebrate? Absolutely. Is it the final finish line? Not quite.Your pre-approval is an impo...
09/10/2026

You got pre-approved. Time to celebrate? Absolutely. Is it the final finish line? Not quite.

Your pre-approval is an important first step, while final approval comes after your lender takes a

deeper look at your finances, documentation, credit, and the property.

Keep things steady, keep me in the loop, and let’s keep your mortgage moving toward the closing table.

🏆 Celebrating August’s Top Producers!A big congratulations to Mike Arvold, Jon Wick, and Jerrid Boutto for another outst...
09/03/2026

🏆 Celebrating August’s Top Producers!

A big congratulations to Mike Arvold, Jon Wick, and Jerrid Boutto for another outstanding month! 👏

Their commitment to their clients, attention to detail, and dedication to making the lending process easier continue to set them apart. Whether they’re helping a first-time homebuyer, a family making a move, or an investor looking at their next opportunity, they’re always focused on finding the right financing solution and delivering an exceptional experience.

We’re proud to have these three leading the way and helping make homeownership happen for so many of our clients. 🏡

📲 Thinking about buying, refinancing, or investing? Our team is here to help you take the next step with confidence.

Jerrid Boutto, NMLS 2076677 Arvold Mortgage Team NMLS #616278

Address

9240 Baltimore Street NE, 110
Blaine, MN
55449

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17637848700

Website

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