Macomb County Mortgage Lender
Macomb County is a fast-growing suburban market with new construction, established subdivisions, and a steady stream of move-up and first-time buyers. Ramzi Faraj helps Macomb County borrowers choose the right loan structure — conventional, FHA, VA, or investment financing — through Citizens State Bank.
Growing suburban market northeast of Detroit.
Local decision making and common-sense underwriting make Macomb County purchases and refinances straightforward for qualified borrowers.
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 Macomb County get clear guidance and consistent communication from application through closing and beyond.
Ramzi Faraj
NMLS #162269Citizens State BankFinancing homes in Macomb County? Talk to Ramzi for a scenario review tailored to this area's market.
Keys to Your Mortgage
A Simple Guide to Buying a Home with Confidence
Buying or refinancing a home in Macomb 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.
Cities & Communities in Macomb County
Explore local mortgage guidance for specific cities served within Macomb County.
Mortgage Programs Available in Macomb County
Ramzi's primary focus programs, available to qualified borrowers in Macomb County through Citizens State Bank.
Second Home Loans
Financing tailored for vacation properties, lakefront retreats, and secondary residences across Michigan.
Explore Primary FocusInvestment Property Loans
Custom financing strategies for real estate investors building wealth through rental portfolios and DSCR loans.
Explore Primary FocusBank Statement Loans
Specialized qualification for self-employed professionals, entrepreneurs, and business owners without W-2 income.
Explore Primary FocusJumbo Loans
High-balance mortgage solutions exceeding Fannie Mae / Freddie Mac conforming limits for luxury luxury properties.
Explore Primary FocusDown Payment Assistance (DPA)
State and local grant & second-mortgage programs to significantly lower upfront costs for eligible Michigan buyers.
Explore Primary FocusMichigan MCC Program
The Michigan Mortgage Credit Certificate program offering a direct dollar-for-dollar federal tax credit every year.
ExploreServing Macomb County
Ramzi Faraj originates mortgages for buyers and homeowners throughout Macomb 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.
Macomb County Mortgage FAQs
Direct answers about financing a home in Macomb County with Ramzi Faraj and Citizens State Bank.
Does Ramzi Faraj originate mortgages in Macomb County?
Yes. Ramzi Faraj originates mortgages for borrowers purchasing or refinancing homes throughout Macomb County through Citizens State Bank, with in-house underwriting and local decision making.
What loan programs are available to Macomb 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 Macomb 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 Macomb County and the surrounding region by phone, video, and in-person appointment at (248) 613-9044.
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.
Ready to Finance a Home in Macomb County?
Buying, refinancing, or investing in Macomb County? Talk to Ramzi Faraj at Citizens State Bank — your Mortgage Coach for Life serving Macomb County.
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.
Apply Online Now
Start your secure online application with Citizens State Bank in just a few minutes.
Have Questions? Request a Quick Call Back
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Ramzi Faraj — Citizens State Bank
Mortgage Coach for Life