Refined Lending a division of Luminate Bank

Refined Lending a division of Luminate Bank Refined Lending is a loan production office of Luminate Bank. NMLS 1281698 | Equal Housing Lender | Member FDIC

Refined Lending is a custom home mortgage company specializing in up and coming or established, urban and suburban neighborhoods in the Twin Cities. Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget. The choice to work with Refined Lending will make your next move a simple, streamlined and highly rewarding experienc

e. Our in-house products such as new construction, purchases, and refinancing will allow us to assist every homeowner. With Refined Lending you will work with one team from the pre-approval stage all the way through your final home closing. Refined Lending partners with highly sought-after real estate agents, and home builders to make sure you get the most current trends and technology, as well as superior products and workmanship.

🏆 Big shoutout to our May Top Producers at Refined Lending, a Division of Luminate Bank!These six loan professionals hel...
06/04/2026

🏆 Big shoutout to our May Top Producers at Refined Lending, a Division of Luminate Bank!

These six loan professionals helped families and buyers across the region turn their homeownership goals into reality — and they did it with excellence.

🌟 Chris Dunn
🌟 Lindsay Buchanan
🌟 Jerrid Boutto
🌟 Katie O'Groske
🌟 Mike Arvold
🌟 Jon Wick

May was packed with rate noise, market uncertainty, and a busy spring purchase season — and these six showed up every single day for their clients. That's what separates great loan originators from the rest.

If you or someone you know is buying, refinancing, or just exploring options, our team is here and ready. Getting pre-approved is easier than you think — and having the right loan officer in your corner makes all the difference.

📩 Reach out today and get connected with a top producer who will actually pick up the phone.

👇 Drop a 🎉 for this crew and share if you know someone who needs a great lender!


Arvold Mortgage Team NMLS #616278 Chris Dunn, NMLS 282113 Jerrid Boutto, NMLS 2076677

This is what we're here for. 🙌Stories like this are exactly why we do things differently at Refined Lending, a Division ...
06/03/2026

This is what we're here for. 🙌

Stories like this are exactly why we do things differently at Refined Lending, a Division of Luminate Bank. When other lenders say no — or hand you a list of reasons it won't work — our team gets to work finding a way forward.

Jerrid Boutto and his team didn't just get the deal done. They were proactive, communicative, and there every step of the way — right through closing day and beyond.

If you've been told you don't qualify, or you're not sure where to start, reach out. Your situation might be more workable than you think.

💬 DM us or drop a comment below — we'd love to hear where you're at in your home buying journey.

Going the extra mile isn't just something we say — it's something we do. 💪Snagging a better interest rate right before c...
05/29/2026

Going the extra mile isn't just something we say — it's something we do. 💪

Snagging a better interest rate right before closing? That's the kind of dedication our clients deserve. Thank you for trusting us with such a big moment, Kelly!

When you work with our team, you're never just a transaction. We're in your corner from the very first question all the way to the closing table. Ready to get started? Send us a message! 🏡

Today we pause to honor and remember those who gave everything for our freedom. 🇺🇸From all of us at Refined Lending a di...
05/25/2026

Today we pause to honor and remember those who gave everything for our freedom. 🇺🇸

From all of us at Refined Lending a division of Luminate Bank, wishing you a meaningful Memorial Day.

Thinking about refinancing? There's never been a better time. 💰A smooth, stress-free experience from start to finish — t...
05/22/2026

Thinking about refinancing? There's never been a better time. 💰

A smooth, stress-free experience from start to finish — that's the Arvold Mortgage Team promise. Thank you for the kind words, Tony!

Whether you're refinancing or buying, we bring the same level of care, communication, and professionalism to every client. Ready to explore your options? Send us a message today! 🙌

🌟 Welcome to the team, Sarah Molitor!We are beyond thrilled to introduce our newest Loan Officer Assistant, Sarah Molito...
05/20/2026

🌟 Welcome to the team, Sarah Molitor!

We are beyond thrilled to introduce our newest Loan Officer Assistant, Sarah Molitor, to the Refined Lending, a Division of Luminate Bank!

Sarah brings a wealth of knowledge and experience from the financial and banking industry, and we couldn't be more excited about what she brings to the table. She's already raising the bar — and we're just getting started. 🙌

Please join us in giving Sarah the warmest welcome! We are so glad to have you, Sarah! 💛

Thinking about buying a home this spring? Here's everything you need to get pre-approved. 🏡📋One of the biggest reasons b...
05/18/2026

Thinking about buying a home this spring? Here's everything you need to get pre-approved. 🏡📋

One of the biggest reasons buyers miss out on homes this time of year?
They weren't ready.

Getting pre-approved doesn't have to be complicated — but having your documents organized before you reach out makes the entire process faster and smoother. In some cases, we can turn a pre-approval around the same day.

Here's what to gather:
📁 Income & Employment
✔ W-2s from the last 2 years
✔ Most recent 30 days of pay stubs
✔ Federal tax returns (2 years)
✔ Offer letter if you recently started a new job
✔ Self-employed? Have your P&L or bank statements ready

🏦 Assets & Accounts
✔ Bank statements (last 2–3 months)
✔ Investment and retirement account statements
✔ Gift letter if any of your down payment was gifted
✔ Documentation showing source of down payment funds

📋 Personal Identification
✔ Government-issued photo ID
✔ Social Security number
✔ Two-year address history
✔ Rental history or landlord contact info
✔ Divorce decree (if applicable)

That's it. If you have all of this ready, we can move fast.

👉 Ready to get started? Drop a "READY" in the comments and we'll reach out to you directly.

Professional. Trustworthy. Genuinely caring. 💪That's the standard we hold ourselves to every single day — and it means t...
05/15/2026

Professional. Trustworthy. Genuinely caring. 💪

That's the standard we hold ourselves to every single day — and it means the world when our clients feel it. Thank you, Candace, for the incredibly kind words!

From first question to closing day, our team is in your corner every step of the way. Ready to find out what stress-free home buying feels like? Send us a message and let's get started. 🏡

⏰ LAST CHANCE, MN PARENTS! 🎓Time is running out to get your grad featured on our billboard! We want to give these amazin...
05/14/2026

⏰ LAST CHANCE, MN PARENTS! 🎓

Time is running out to get your grad featured on our billboard! We want to give these amazing kids the recognition they deserve — but we need your help!

Send in your info by THIS SUNDAY, May 17th and your grad could be seen by the whole community! 🌟

Here's what to send:
📸 Their photo
🏫 School name & logo
📧 Email to [email protected] by Sunday, May 17th

They worked so hard to get here — let's show them just how proud we are! 💛 Tag a parent who still needs to submit! 👇

05/13/2026

🏡 Meet the Team | Jerrid Boutto, Mortgage Loan Originator

We are so grateful to have Jerrid on the team! Whether you're a first-time homebuyer or a seasoned investor, Jerrid is dedicated to guiding you through the lending process with expertise and care.

Check out his video and get to know the people working hard behind the scenes to make your homeownership goals a reality. 👇

📲 Ready to connect with Jerrid? Reach out today — we'd love to help you take the next step!

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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