Your home journey, guided by roots and reliability.

Ready to make your move? We're ready to help turn your homeownership goals into reality. With decades of experience and a passion for guiding local families, let us walk you through the mortgage process with clarity, care, and confidence—from the first step to the front door.

Hi, We're Merica & Mary Jane

With more than 25 years of partnership and a lifetime in Grand Junction, Colorado, Merica Street and Mary Jane Douma bring a deep sense of community, trust, and experience to every home loan.


From the Grand Mesa to the Colorado National Monument, they've built their careers by putting people first, guiding generations of families with proven insight and clear communication every step of the way.


When it comes to mortgage lending in western Colorado or nationwide, you can always count on Merica and Mary Jane to lead with heart, honesty, and hometown care.

>> Our Products

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Conventional Loans

Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms—perfect for those who want options.

FHA Loans

FHA loans make homeownership more accessible for low-to-moderate income buyers or those with less-than-perfect credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.

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VA Loans

VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.

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USDA Loans

USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.

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“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”

Qaiser

“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”

Evan

“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”

Joan

WE BELIEVE.

The home loan process doesn't have to be scary. Our team is here to help!