Meet Dona
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Your Journey to Homeownership Starts Here
Providing Clarity & Confidence for a stress-free personalized homebuying experience.
SERVING IDAHO & OREGON
Meet Your Trusted Mortgage Partner
Dona Jeka | NMLS# 13100
Experience You Can Trust
Dona Jeka is a Certified Mortgage Advisor based in Meridian, Idaho, proudly serving homebuyers and homeowners across Idaho and Oregon. With over 30 years of mortgage experience, Dona is known for her calm guidance, clear communication, and deep commitment to helping clients feel confident every step of the way.
From first-time buyers finding their footing to seasoned investors expanding their portfolios, she tailors each strategy to fit her clients’ unique goals and lifestyle. Dona also has a special heart for serving seniors, offering free reverse mortgage assessments to help them explore their options for financial independence and peace of mind.
Her philosophy is simple — meet people where they are, listen to what matters most, and find the path that fits. With Dona, you’ll always have a trusted advisor who brings clarity, care, and compassion to your home financing journey..
What My Clients Say
Prompt responses, excellent communication, personable, listens to you, understands your needs, goes out of her way to get a deal done and to make you happy with the result. Strongly recommend.
- Leslie
Dona is absolutely incredible. She's quick with her responses, always has information needed and she always provides extra information that can be really beneficial during our process. This is the second time working with Dona and it’s been an absolute pleasure!
— Nicole
Dona has processed 2 loans for us so far. Shes knowledgeable, keeps us updated on the whole transactions and is just awesome to work with through such a process! Highly recommended and will continue to send folks her direction.
— Courtney
Why Clients Choose to Work With Me
Personalized Approach
Every client has unique financial circumstances and dreams. I take time to understand your specific goals, then craft customized solutions that align perfectly with your vision for the future.
  • Custom loan strategies for your unique situation
  • Goal-oriented financing that aligns with your long-term financial plans
  • Tailored solutions that simplify the process for real estate agents and their clients
Complete Transparency
No surprises, no hidden fees, no confusing jargon. I walk you through each step with clear explanations and honest guidance, ensuring you feel confident and informed throughout the entire process.
  • No hidden fees or surprise costs, ever
  • Clear, jargon-free explanations of all terms and conditions
  • Streamlined communication for real estate agents, ensuring smooth transactions
Responsive Communication
Questions don't wait for business hours. I prioritize fast, clear responses and keep you updated at every milestone. Plus, I work diligently to secure competitive rates that maximize your savings.
  • Same-day responses to urgent questions and inquiries
  • Proactive updates at every stage of the loan process
  • Expedited communication with real estate agents for timely closings
Comprehensive Loan Solutions for Every Need
Whether you're taking your first step toward homeownership, looking to optimize your current mortgage, or planning to tap into your home's equity, I offer a complete range of financing options tailored to your situation.
Purchase Loans
Fixed Rate Mortgage
Offers predictable monthly principal and interest payments for the life of the loan. Ideal for buyers seeking long-term stability and consistent budgeting.
FHA Loan
Government-insured loans with lower credit score requirements and down payments as low as 3.5%. Great for first-time homebuyers or those with less-than-perfect credit.
VA Loan
Exclusively for eligible veterans, active-duty service members, and their spouses, offering no down payment, no private mortgage insurance, and competitive rates.
USDA Loan
Designed for low-to-moderate income borrowers in eligible rural areas, often requiring no down payment. Promotes homeownership in less dense communities.
Jumbo Loan
Finances properties that exceed the conforming loan limits set by government-sponsored enterprises. Best for high-value properties and borrowers with strong financial profiles.
First Time Home Buyer Programs
Special programs with grants, tax credits, and favorable terms to assist individuals purchasing their first home. Often combined with FHA, VA, or USDA loans.
Low Down Payment Options
Various programs allowing borrowers to purchase a home with minimal upfront cash. Perfect for those with good credit but limited savings for a large down payment.
Investment Property Loans
Financing specifically for properties intended for rental income or resale. Options vary based on the number of units and borrower's investment experience.
Bank Statement Programs
Alternative income verification for self-employed individuals who may not have traditional tax returns. Qualify based on bank deposit history rather than W2s.
HELOC
A revolving line of credit secured by your home's equity. Provides flexible access to funds for various needs like renovations or education, drawing as needed.
Reverse Mortgage
Allows homeowners aged 62 and older to convert a portion of their home equity into cash. Payments are made to the homeowner, and the loan is repaid when they leave the home.
Refinance Options
Rate & Term Refinance
Changes the interest rate and/or loan term of an existing mortgage. Ideal for lowering monthly payments or shortening the loan's repayment period without taking cash out.
Cash-Out Refinance
Allows you to take cash out from your home's equity by replacing your current mortgage with a larger one. Funds can be used for debt consolidation, home improvements, or other financial goals.
VA Loan Refinance
Specific refinance options for eligible veterans to lower their interest rate or take cash out. Includes the Interest Rate Reduction Refinance Loan (IRRRL) and VA Cash-Out Refinance.
Your Loan Journey: Simple, Clear, and Supportive
Getting a home loan doesn't have to be complicated. I've streamlined the process into four straightforward steps, and I'll be with you at every stage to answer questions and keep things moving smoothly.
01
Consultation & Pre-Qualification
We'll start with a friendly conversation about your goals, review your financial situation, and determine how much home you can afford. Walk away with a pre-qualification letter that strengthens your buying power.
02
Application & Documentation
Complete your formal application online or in person. I'll guide you through the required documents—income verification, credit reports, asset statements—making the process as seamless as possible.
03
Processing & Underwriting
Behind the scenes, our team verifies your information and prepares your file for underwriting. The underwriter reviews everything to ensure your loan meets all guidelines. I'll keep you informed of any additional needs.
04
Approval & Closing
Once approved, we'll schedule your closing date. You'll sign final documents, receive your keys, and officially become a homeowner. I'll be there to celebrate this exciting milestone with you!
Ready to Get Started? Apply Online Today
Secure, Fast, and Convenient
Our streamlined online application process makes it easy to apply from anywhere, at any time. Your information is protected with bank-level security, and you can save your progress and return whenever convenient.
Most applications take just 15-20 minutes to complete. Once submitted, I'll review your information promptly and reach out to discuss next steps and answer any questions.
🏡 Home Purchase Application
Ready to buy your dream home? Start your purchase loan application and get pre-approved quickly.
đź’° Refinance Application
Lower your rate or access equity. Begin your refinance application and discover your savings potential.
🔑 HELOC Application
Tap into your home's equity for renovations or expenses. Apply for a Home Equity Line of Credit.
Mortgage Calculators & Planning Tools
Knowledge is power when it comes to major financial decisions. Use these interactive calculators to explore different scenarios, estimate costs, and make informed choices about your home financing options.
Affordability Calculator
Discover how much home you can afford based on your income, debts, and down payment. Get a realistic budget range that keeps you comfortable.
Payment Estimator
Calculate your potential monthly mortgage payment including principal, interest, taxes, and insurance. Adjust loan amounts and terms to find your ideal payment.
Refinance Savings
See how much you could save by refinancing. Compare your current loan against potential new terms and calculate your break-even point.
HELOC Calculator
Estimate your available home equity credit line based on your home's value and remaining mortgage balance. Plan your borrowing strategy effectively.

Educational Support: Each calculator includes detailed explanations and tips to help you understand the numbers and make confident decisions. Not sure how to interpret your results? Schedule a consultation and I'll walk you through everything.
Frequently Asked Questions
Get clear answers to the most common mortgage questions. If you don't see your question here, I'm always available to help clarify anything about the loan process.
What credit score do I need?
Requirements vary by loan type. Conventional loans typically require 620+, FHA loans may accept scores as low as 580, and VA loans often have flexible requirements. I can help you understand your specific situation.
How much should I put down?
Down payments range from 0% (VA loans) to 20% or more. Many first-time buyers use 3-5% down payment programs. Higher down payments can lower rates and eliminate mortgage insurance.
How long does approval take?
Pre-approval can happen within 24-48 hours. Full loan approval and closing typically takes 30-45 days, though we can expedite for time-sensitive situations.
What documents will I need?
Expect to provide recent pay stubs, W-2s, tax returns, bank statements, and identification. Self-employed borrowers may need additional documentation. I'll provide a complete checklist tailored to your situation.
Can I lock my interest rate?
Yes! Rate locks protect you from market fluctuations during your loan process. Typical locks range from 30-60 days, with extensions available if needed.
What are closing costs?
Closing costs typically range from 2-5% of the loan amount and include appraisal, title insurance, origination fees, and prepaid items. I'll provide a detailed estimate upfront with no surprises.
Let's Start Your Home Financing Journey
Ready to Take the Next Step?
Whether you have questions, want to explore your options, or are ready to start an application, I'm here to help. Reach out through your preferred method and let's discuss how I can help you achieve your homeownership goals.
I offer flexible consultation options including phone calls, video meetings, or in-person appointments. Schedule a free consultation today and discover how the right mortgage solution can make your dreams a reality.
đź“ž Call or Text Dona
(208) 794-3371
Monday-Friday: 8am-7pm
Saturday: 9am-3pm
✉️ Email
jeka.dona@clearhomeloans.com
Expect a response within 4 business hours
đź’¬ Live Chat
Click the chat icon for instant answers to quick questions
đź“Ť Office Visit
3023 E Copper Point Dr. Suite 110
Meridian, ID 83642
Dona Jeka | NMLS# 13100 | (208)794-3371 | jeka.dona@clearhomeloans.com
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CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV