A Mermaid Under the Mistletoe by Jessica L. Elliott

When Leilani’s morning workout is interrupted by an attempted burglary, it’s going to take all of her faith and a few Christmas miracles to get her life back on track.
Just a few days after arriving in Minneapolis, Leilani Hale finds herself the victim of an attempted burglary. The young woman who stole her bag begs for a second chance, and a fresh start. Determined to see the best in everyone, Leilani agrees to take Jinx in, not realizing the danger involved.
Butch Walker, a cynical insurance investigator, can’t understand why Leilani would give Jinx a second chance. But the more time he spends around Leilani, the more he realizes that people can be good, and Christmas miracles are real.