Citizens State Bank
Rural Housing

USDA Rural Development Loans in Michigan

100% financing program designed for suburban and rural homes in designated Michigan zones.

Call Ramzi: (248) 613-9044

Who This Loan Program Is Designed For

Buyers purchasing homes in eligible rural or outer suburban Michigan communities.

How USDA Rural Development Loans Works

Underwriting evaluates credit, income, and property appraisal under standard guidelines.

Key Benefits & Advantages

100% financing available
Below-market mortgage rates
Low monthly guarantee fees

Qualifications & Borrower Guidelines

  • Standard credit evaluation
  • Verification of income & employment
  • Sufficient assets for down payment

Typical Required Documentation

30 days pay stubs
2 years W-2s or tax returns
2 months bank statements
Real-World Example

Example Scenario

"Contact Ramzi Faraj for a custom rate quote and scenario evaluation tailored to your specific timeline."

Frequently Asked Questions

What are the interest rates for USDA Rural Development Loans?

Rates vary depending on market conditions, credit score, down payment, and loan size. Contact Ramzi for a personalized rate lock quote.

Ramzi Faraj

Ramzi Faraj

Citizens State Bank

Have questions about USDA Rural Development Loans? Contact Ramzi for a personal mortgage scenario review.

Citizens State Bank NMLS #729779

Equal Housing Lender • Member FDIC

Client Testimonials

What Our Clients Say About Ramzi Faraj & Citizens State Bank

Real feedback from homeowners, investors, and clients across Michigan who trusted Ramzi with their mortgage journey.

Personalized Mortgage Coaching

Ready to Take the Next Step Toward Your Mortgage Goal?

Whether buying a second home, securing an investment property, or refinancing your current loan, Ramzi is here as your Mortgage Coach for Life.

Call Ramzi Directly

Get immediate answers to your mortgage questions. Speak directly with Ramzi Faraj today.

(248) 613-9044

Schedule a Conversation

Pick a date and time that fits your calendar for a detailed mortgage strategy session.

Apply Online Now

Start your secure online application with Citizens State Bank in just a few minutes.

Start Application

Have Questions? Request a Quick Call Back

Send Ramzi a direct message and he will respond promptly.

Citizens State Bank

Ramzi Faraj — Citizens State Bank

Mortgage Coach for Life

Office Address32500 Woodward Ave, Royal Oak, MI 48073
Direct Phone(248) 613-9044
HoursMon – Fri: 8:30 AM – 5:30 PM(By Appointment & Evening Calls Available)
Equal Housing Lender • Member FDIC
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