Program Overview

Our straight forward Road to Home process is designed to help you qualify for a loan after each of the steps below have been accomplished. Your Mortgage Banker will meet with you regularly to track your progress toward each of these objectives, and when the time is right, will work to help qualify you for a loan.

  1. Meeting with your Chemical Bank Mortgage Lender

    • During this meeting, an experienced Chemical Bank lender will learn more about your homeownership goals, and help put you on a path toward homeownership

  1. Open a Chemical Bank Checking Account

    • Opening a Checking Account with Chemical Bank along with Direct Deposit will help you save toward your down payment

    • Once you have saved enough money in this account and are ready to purchase your home, Chemical Bank will provide you with up to $400.00 toward your closing costs

  1. Financial Education Classes*

  • As you think about purchasing your first home, we believe it is important to gain a solid understanding of the following:

    • Budgeting

    • The basics of having credit

    • Home repair fundamentals

    • What homeownership is

*Depending on the type of loan you may receive, additional courses may be necessary for loan qualification. 

Frequently Asked Questions

Got questions? We've got answers.

How do I know if I qualify for Road to Home?

Based on your unique lifestyle, you may be eligible to participate in Road to Home. Our Mortgage Lenders will be able to help you determine if this program is right for you, and they will be with you every step of the way through it!

Does this program automatically guarantee that I will receive a Mortgage Loan?

While our Road to Home does not automatically guarantee that you will receive a Mortgage loan, following the program and working with one of Chemical Bank’s Mortgage Lenders will enhance your ability to qualify for a loan.

What types of loans are included in the Road to Home program?

There are many loan options available with Road to Home! Chemical Bank’s Mortgage Lenders will be happy to help you design the right loan program to fit your needs upon successful completion of the program.