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

There’s something really special about a lake home. It’s not only the view,it’s the slow mornings with coffee on the doc...
06/10/2026

There’s something really special about a lake home.

It’s not only the view,

it’s the slow mornings with coffee on the dock,

the sound of kids jumping off the boat,

the sunsets that somehow look better every night.

It’s where summers feel longer…

and where memories tend to stick a little more.

For many people, owning a lake home isn’t just about real estate. It’s about creating a place your friends and family come back to year after year. A place that becomes part of your story.

If that’s something you’ve been dreaming about, it might be more within reach than you think.

Happy to be a resource if you ever want to talk through what that could look like.
https://myoc.io/aM7jTkyULUx

The smell of the grill. Dogs roaming free. Lights strung overhead. Summer hits differently when it’s yours.As a mortgage...
06/08/2026

The smell of the grill. Dogs roaming free. Lights strung overhead.

Summer hits differently when it’s yours.

As a mortgage lender, my job is to help you get there.

If homeownership is your goal, contact me any time for a free planning call.
https://myoc.io/aM7jTkyULUx

There’s no one-size-fits-all loan.Sometimes the best solution is the one you didn’t know to ask about—until someone take...
06/03/2026

There’s no one-size-fits-all loan.

Sometimes the best solution is the one you didn’t know to ask about—until someone takes the time to walk through your options with you.

If you’re looking for a local lender that will be attentive to your situation, our team comes highly recommended.

Message me any time to get a free mortgage quote or to simply ask a question.
https://myoc.io/aM7jTkyULUx

Thinking about owning a second home?Before you look at listings or rates, take time to think through the basics: why you...
06/01/2026

Thinking about owning a second home?

Before you look at listings or rates, take time to think through the basics: why you want it, how often you’ll realistically use it, how it fits into your long‑term plans, and whether the finances feel comfortable.

You don’t have to buy now to plan now. If a second home is a future goal, I’m always happy to help you think through the timing and next steps.

👉 Message me to set up a free planning call.
https://myoc.io/aM7jTkyULUx

Before you look at home prices, decide what monthly payment feels comfortable.From there, we can work backward to find a...
05/27/2026

Before you look at home prices, decide what monthly payment feels comfortable.

From there, we can work backward to find a realistic price range and a smart plan to save for your down payment.

If you want help running the numbers or mapping out a plan, I’m here for you. Message me to schedule a call.
https://myoc.io/aM7jTkyULUx

In the first quarter of this year, our Mortgage and Community Home Lending teams helped clients obtain $904,475 in down ...
05/25/2026

In the first quarter of this year, our Mortgage and Community Home Lending teams helped clients obtain $904,475 in down payment assistance.

We’re just getting started for the year – if you know someone who is interested in learning about assistance programs or needs help buying a home, give me a call or send me a message!
https://myoc.io/aM7jTkyULUx

There are down payment assistance and grant programs designed to help first‑time buyers, but knowing which ones apply (a...
05/20/2026

There are down payment assistance and grant programs designed to help first‑time buyers, but knowing which ones apply (and when to apply) matters.

My team and I spend our time helping buyers navigate these programs from start to finish. If you’re curious about what may be available to you, or someone you know, message me and we’ll take a look.
https://myoc.io/aM7jTkyULUx

Many loan programs are designed specifically for first‑time homebuyers to reduce upfront costs and make qualifying a lit...
05/18/2026

Many loan programs are designed specifically for first‑time homebuyers to reduce upfront costs and make qualifying a little easier.

Here are some options worth knowing about:

👉 Next Horizon Loans – An exclusive First Merchants program with 0% down payment options, no PMI, and non-traditional credit history accepted.

👉 FHA Loans – Popular with first-time buyers due to lower down payment requirements and more flexible credit guidelines.

👉 Down Payment Assistance & Grants – Programs that may help cover part (or all!) of your down payment or closing costs, depending on eligibility.

If you’re thinking about buying a home now or in the future, reach out. I’m happy to help you understand which programs you may qualify for, and what a realistic path to homeownership could look like for you.
https://myoc.io/aM7jTkyULUx

I work with homebuyers and homeowners across the country — not just locally.Buying a second home? Relocating for work? K...
05/13/2026

I work with homebuyers and homeowners across the country — not just locally.

Buying a second home? Relocating for work? Kids moving out of state?

If you, or someone you know, are thinking about buying or refinancing and want to talk to someone you trust, I’m always happy to help.
https://myoc.io/aM7jTkyULUx

When financing a new home build, having a lender that truly understands the process makes a difference. Our construction...
05/11/2026

When financing a new home build, having a lender that truly understands the process makes a difference. Our construction lending program at First Merchants is designed to support builders and borrowers from the ground up. With our single‑close construction loan, your short‑term construction financing converts to a permanent mortgage after the build is complete, keeping the process streamlined with one closing.

What sets our team apart is real‑world experience. Our construction administrators have worked directly in the industry, and our program manager is a licensed residential builder. That means we understand the process from every angle – lender, homeowner, and builder. We know how construction timelines work, how draws should flow, and where issues can arise—and we’re prepared to help navigate them.

The result is a smoother process, clear communication, and a lending team that speaks the same language as builders and clients alike.

Learn about our construction program here: https://www.firstmerchants.com/personal/borrowing/mortgages/compare-mortgages/construction-loans
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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