Government Disclosures

These materials were not approved by any government agency. They are independent of any government agency. The materials on our site are not from HUD, FHA, the USDA, or the VA.  We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. 

For information directly from HUD/FHA, visit https://www.hud.gov/guidance

For information directly from the VA, visit https://www.benefits.va.gov/benefits/

For information directly from the USDA, visit https://www.usda.gov/ - Search "Grant Loans"

Contacting Us

If you have any questions about any of our legal disclaimers, please write us by mail here:

32500 Woodward Avenue
Royal Oak, Michigan  48073

or Call us at 248-613-9044

Citizens State Bank 32500 Woodward Avenue, Royal Oak, MI 48073
Citizens State Bank
NMLS ID 729779
EQUAL HOUSING LENDER
Ramzi Faraj
VP, Consumer Lending Manager
NMLS #162269
Phone: 248-613-9044
Email: rfaraj@micsb.com

Office Address:
32500 Woodward Avenue
Royal Oak, MI 48073

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