Tonjola D. Cole, Community Home Lending Officer, NMLS 658375

Tonjola D. Cole, Community Home Lending Officer, NMLS 658375 Officer, Community Home Lending Officer
NMLS #658375

Unlike traditional construction loans that can leave buyers wondering what's happening behind the scenes, First Merchant...
09/09/2026

Unlike traditional construction loans that can leave buyers wondering what's happening behind the scenes, First Merchants gives you access to Built, an online platform that keeps you connected to your project from start to finish.

With our online platform, you can:

✅ Monitor construction progress in real time

✅ Track draw requests and funding activity

✅ Access important project documents in one place

✅ Stay informed alongside your builder and lender

✅ Enjoy greater transparency and peace of mind throughout the building process

If you know someone considering building a new home, I’m here to help and answer any questions. Reach out to learn about our construction financing program.
https://myoc.io/aM7jTkyULUx

If you're house hunting, or if you're a realtor with clients preparing to make an offer, I'm always available to help wi...
09/07/2026

If you're house hunting, or if you're a realtor with clients preparing to make an offer, I'm always available to help with mortgage pre-approvals and answer questions along the way.

📩 Reach out to get started.
https://myoc.io/aM7jTkyULUx

Waiting for rates to come down before buying? This example gives some rough numbers to consider. Of course, no one kno...
09/02/2026

Waiting for rates to come down before buying? This example gives some rough numbers to consider.

Of course, no one knows what rates or home prices will do in the future. This is simply an illustration of why it’s important to look at the entire picture.

Contact me any time to talk through the numbers and learn your options.
https://myoc.io/aM7jTkyULUx

These are programs you won't find everywhere. As a community-focused bank, we're committed to making homeownership more ...
08/31/2026

These are programs you won't find everywhere. As a community-focused bank, we're committed to making homeownership more accessible, and we prove that through solutions like our exclusive Next Horizon Mortgage, Community Homebuyer Grant, and partnerships with local nonprofits, housing organizations, and municipalities that offer additional homebuyer assistance.

In many cases, eligible buyers can combine multiple programs to further reduce their down payment and closing costs.

Reach out anytime if you'd like to learn more, explore your options, or receive a personalized mortgage quote.
https://myoc.io/aM7jTkyULUx

Even with today’s higher mortgage rates, refinancing can still be a useful financial tool. Homeowners who have built equ...
08/26/2026

Even with today’s higher mortgage rates, refinancing can still be a useful financial tool.

Homeowners who have built equity may use a cash-out refinance to consolidate higher-interest debt, pay for home improvements, or help fund major expenses. The key is determining whether the overall financial benefit outweighs the costs.

Message me anytime for a free refinance analysis. I’ll look at the full picture, including your current mortgage, new loan terms, monthly payment, closing costs, and long-term goals, to help you make an informed decision.
https://myoc.io/aM7jTkyULUx

Before you start touring homes, know the number that matters most: the monthly payment you’re comfortable with. A mortga...
08/19/2026

Before you start touring homes, know the number that matters most: the monthly payment you’re comfortable with.

A mortgage pre-approval can help you understand your options, but a good conversation with a lender should also include your budget, goals, and the kind of lifestyle you want after you move in.

Want to get clear on your numbers? Message me to schedule a free budget planning call.
https://myoc.io/aM7jTkyULUx

We have excellent financing options for second homes and vacation homes at First Merchants. Very competitive pricing. If...
08/17/2026

We have excellent financing options for second homes and vacation homes at First Merchants. Very competitive pricing. If you know someone who is considering a lakefront property, I’d love the opportunity to help them.
https://myoc.io/aM7jTkyULUx

The most recent Survey of Consumer Finances data (from 2022) reveals that both the median and average wealth gaps have r...
08/12/2026

The most recent Survey of Consumer Finances data (from 2022) reveals that both the median and average wealth gaps have reached historic highs since the data was first collected in 1989.

The median wealth gap between homeowners and renters has increased by 70 percent, while the average wealth gap increased more than 250 percent.

If you’ve been on the fence about owning a home, dive into the details here:
https://www.urban.org/urban-wire/wealth-gap-between-homeowners-and-renters-has-reached-historic-high

From January through June 2026, First Merchants helped 310 families access a total of $2.95 million in down payment assi...
08/10/2026

From January through June 2026, First Merchants helped 310 families access a total of $2.95 million in down payment assistance to make their home purchase more affordable.

If you know anyone looking to buy their first home, reach out to me and my team. We may have a program that can help cover some (or all) of their down payment and closing costs.

Back-to-school season can make a move feel overwhelming.New schools, new routines, transportation, schedules, activities...
08/05/2026

Back-to-school season can make a move feel overwhelming.

New schools, new routines, transportation, schedules, activities, and helping kids adjust. It's a lot to think about.

If you're considering a move but are worried about the timing, you're not alone. Every family's situation is different, and part of my job is helping you understand your options so you can make the decision that's best for your family.

📩 If a move is on your mind, let's talk.
https://myoc.io/aM7jTkyULUx

Address

1420 Washington Boulevard
Detroit, MI
48226

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 7pm
Wednesday 10am - 7pm
Thursday 10am - 7pm
Friday 10am - 7pm

Telephone

+13132057487

Website

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