Local Mortgage Service Areas Across Michigan
Ramzi Faraj at Citizens State Bank serves homebuyers, refinancing homeowners, and real estate investors across Michigan. Explore county, city, and neighborhood pages for local mortgage guidance — second homes, investment property, bank statement loans, jumbo, down payment assistance, and the Michigan MCC.
Michigan Counties Served
Each county page links to its cities and neighborhoods for granular local mortgage guidance.
Oakland County
Home base — Citizens State Bank's Royal Oak office is here.
Wayne County
Detroit metro core — urban, suburban, and historic neighborhoods.
Macomb County
Growing suburban market northeast of Detroit.
Washtenaw County
Ann Arbor area — university-driven, high-demand market.
Livingston County
Lakes, recreation, and growing commuter communities.
Genesee County
Affordable entry points and investor opportunity around Flint.
Cities & Neighborhoods
A full directory of the local pages available, organized by county.
What Our Clients Say About Ramzi Faraj & Citizens State Bank
Real feedback from clients across Michigan who trusted Ramzi with their mortgage journey.
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.
Schedule a Conversation
Pick a date and time that fits your calendar for a detailed mortgage strategy session.
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Ramzi Faraj — Citizens State Bank
Mortgage Coach for Life