Resident Judy Richardson loves her home on Detroit's west side - she's lived here with her family for 17 years - but in the past year scrappers struck in her neighborhood.
"We have copper gutters and someone stole all of our gutters," she said. "As much as we love the copper, we feel it's just not worth it to replace it."
But they have to be replaced - so she's thrilled to learn of the zero percent loans for home repairs that the city will start offering next month.
"There will be $8 million that will be made available at zero percent interest to residents to fix up their homes," Duggan said during the address.
Duggan announced during his state of the city address that homeowners who quality can borrow anywhere from $5,000 to $25,000 to make repairs and pay it back over the course of 10 years.
"You only pay back what you borrow," said Alexis Wiley, Duggan's chief of staff. "There are neighborhoods where your income doesn't matter and they will be able to apply for those loans."
Wiley - chief of staff for mayor mike duggan says the city is willing to work with homeowners to help them meet the qualifications.
"They have to have a minimum credit score of 560," Wiley said. "You have to be current in your taxes, home insurance and a few other guidelines, which we lay out pretty clearly."
It is all spelled out on the city's website.
Wiley says that an estimated 60 percent of Detroiters get their internet from their phones. Because of that, the city has made its website easy to access from any mobile device.
Which is great news for homeowners like Judy - who are determined to maintain their homes and build and better Detroit.
"The home is beautiful, we love it, we've invested in it," she said. "We are willing to do whatever it takes for the upkeep to maintain the beauty of the home."
For more information to apply: http://www.detroithomeloans.org/