Call It Home Guidelines

Putting Neighborhoods First

FirstMerit Bank's special loan program for homebuyers and homeowners in Wayne County, Michigan* is part of our commitment to help our neighbors and build our communities.  The program offers interest rate discounts for new home purchases and refinancing of current homes, and may include assistance with closing costs and down payments.  As always, you receive personal attention from a mortgage loan officer who will get to know you and your homeownership dreams.

In addition, FirstMerit also offers a home improvement loan with low market interest rates and no processing fees.


Loans from the Commitment to Community Partnership are provided by FirstMerit Bank to help you purchase, refinance or improve a qualified home in Wayne County, Michigan*.

Loan Programs

  • Home Purchase Loans
  • If you live in or desire to live in Wayne County, Michigan*, you can apply for a loan to purchase a home with a rate at least 1% lower than the prevailing market interest rate, in addition to closing cost and down-payment assistance.
  • Home Refinance Loans
  • The citizens of Wayne County, Michigan* are vital to building stronger neighborhoods in their county.  If you own a home in Wayne County* and are paying the current market rate or higher on your mortgage, now would be a good time to talk to a FirstMerit Mortgage Loan Officer about refinancing your home.  It can save you money every month.
  • Home Improvement Loans
  • Improving your home not only makes your home more comfortable, but it also may increase your property value.  Improving your home enhances and strengthens your neighborhood and your community.

    If you own a home in Wayne County, Michigan* and you have been putting off repairs, restoring or improving your home, a FirstMerit home improvement loan may be able to assist with those projects.

    Owning a qualified single family home or condominium that is your primary residence may give you access to a loan to remodel your bathroom, replace your furnace, repair your roof or make a number of other improvements to your home. FirstMerit Bank's home improvement loan offer several benefits:

    • Borrow $500 to $10,000 home improvement loans
    • No Loan Processing fee
    • Rates as low as 1.50% percent below current market interest rates

    Some items, such as furniture, appliances and drapes are not included in approved improvements. Please be sure to submit a list of improvements to be approved with your loan application.

Zoning and Code Compliance

Homes in or adjacent to a City of Detroit designated historic district must have home improvements comply with all local zoning ordinances and building codes.  The proposed work must meet the applicable requirements, including the issuance of a Certification Appropriateness from the City of Detroit Historic District Commission.

Taxes and Insurance

Homeowners are responsible for all applicable property taxes and insurance on their subject property.

Let's Talk

  • Call: 313-494-3294 (Darlene Leaks - NMLS #905534)
  • Call: 313-530-9880 (Priscilla Hampton - NMLS #803810)
  • Email Us


*Qualified area in Wayne County, Michigan is defined as those census tracts designated by 2010 census data as greater than 50% African American or Black population.

All loans subject to credit approval.