Michigan County Service Area

Livingston County Mortgage Lender

Livingston County is known for its lakes, recreation, and growing communities like Howell and Brighton — a popular area for second homes, vacation property, and primary residences within commuting distance of metro Detroit. Ramzi Faraj finances second homes and primary residences here through Citizens State Bank.

Call Ramzi: (248) 613-9044Apply Online

About Lending in Livingston County

Lakes, recreation, and growing commuter communities.

Second-home financing and conventional purchase programs fit Livingston County's lake and commuter market well.

As your Mortgage Coach for Life, Ramzi Faraj takes time to understand your full financial picture — income, tax strategy, and long-term property goals — before recommending a loan structure. Backed by Citizens State Bank's in-house underwriting and local decision making, borrowers in Livingston County get clear guidance and consistent communication from application through closing and beyond.

Lakeside second-home and vacation property financing

Growing commuter and move-up buyer demand

Conventional, FHA, and USDA-eligible rural areas

Local underwriting with Citizens State Bank

Ramzi Faraj

NMLS #162269Citizens State Bank

Financing homes in Livingston County? Talk to Ramzi for a scenario review tailored to this area's market.

Call (248) 613-9044Start Online Application

★ Free Educational Resource

Keys to Your Mortgage

A Simple Guide to Buying a Home with Confidence

Buying or refinancing a home in Livingston County? Download Ramzi Faraj's free book — practical insights on second homes, investment properties, bank statement loans, and down payment assistance. No form required, instant PDF download.

Download Free PDF Learn More About the Book

Cities & Communities in Livingston County

Explore local mortgage guidance for specific cities served within Livingston County.

HowellLake and commuter market — second-home friendly.

BrightonLakeside recreation and commuter living.

Mortgage Programs Available in Livingston County

Ramzi's primary focus programs, available to qualified borrowers in Livingston County through Citizens State Bank.

Primary Focus

Second Home Loans

Financing tailored for vacation properties, lakefront retreats, and secondary residences across Michigan.

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Investment Property Loans

Custom financing strategies for real estate investors building wealth through rental portfolios and DSCR loans.

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Bank Statement Loans

Specialized qualification for self-employed professionals, entrepreneurs, and business owners without W-2 income.

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Jumbo Loans

High-balance mortgage solutions exceeding Fannie Mae / Freddie Mac conforming limits for luxury luxury properties.

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Down Payment Assistance (DPA)

State and local grant & second-mortgage programs to significantly lower upfront costs for eligible Michigan buyers.

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Michigan MCC Program

The Michigan Mortgage Credit Certificate program offering a direct dollar-for-dollar federal tax credit every year.

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County Service Area

Serving Livingston County

Ramzi Faraj originates mortgages for buyers and homeowners throughout Livingston County. While loans are coordinated from the Citizens State Bank office in Royal Oak, Ramzi serves this area by phone, video, and in-person appointment.

Loan Office32500 Woodward Ave, Royal Oak, MI 48073

Direct Phone(248) 613-9044

Call Ramzi Open Livingston County in Maps

Livingston County Mortgage FAQs

Direct answers about financing a home in Livingston County with Ramzi Faraj and Citizens State Bank.

Does Ramzi Faraj originate mortgages in Livingston County?

Yes. Ramzi Faraj originates mortgages for borrowers purchasing or refinancing homes throughout Livingston County through Citizens State Bank, with in-house underwriting and local decision making.

What loan programs are available to Livingston County borrowers?

Ramzi offers conventional, FHA, VA, USDA, jumbo, second home, investment property, bank statement, and down payment assistance loans, plus the Michigan Mortgage Credit Certificate (MCC), to qualified borrowers in Livingston County.

Where is the Citizens State Bank mortgage office located?

Ramzi's office is at 32500 Woodward Ave, Royal Oak, MI 48073. He serves buyers across Livingston County and the surrounding region by phone, video, and in-person appointment at (248) 613-9044.

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 Finance a Home in Livingston County?

Buying, refinancing, or investing in Livingston County? Talk to Ramzi Faraj at Citizens State Bank — your Mortgage Coach for Life serving Livingston County.