It’s not just about buying a house—it's about lighting your way home.

Ready to make your homeownership dreams a reality? Luminate Bank is here to help you navigate the path to the right mortgage, from start to finish, with expertise, guidance, and a commitment to making the process smooth and clear.

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Hi, I'm Merica!

With more than 25 years of experience in mortgage lending, Merica Street is known throughout Grand Junction for her deep industry knowledge, honest communication, and unwavering dedication to her clients. Born and raised in western Colorado, Merica understands the local market because she’s lived it by raising her family here and helping others do the same.


She’s not just focused on closing loans, she’s focused on building relationships that last. Whether you're buying your first home or refinancing your forever one, Merica will walk beside you with clear guidance, consistent communication, and a genuine desire to help you succeed. Her clients trust her not just because of her experience, but because she truly cares.


>> 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!