Oakland County Mortgage Lender
Oakland County is one of Michigan's most active mortgage markets, known for its established suburban communities, strong school districts, and demand for both primary residences and investment property. Ramzi Faraj, based at the Citizens State Bank office in Royal Oak, helps buyers, second-home purchasers, and investors finance property across every city and neighborhood in Oakland County.
Home base — Citizens State Bank's Royal Oak office is here.
From lakefront second homes to jumbo financing in Birmingham and Bloomfield Hills, Oakland County borrowers get in-house underwriting and local decision making through Citizens State Bank.
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 Oakland County get clear guidance and consistent communication from application through closing and beyond.
Ramzi Faraj
NMLS #162269Citizens State BankFinancing homes in Oakland 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 Oakland 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 Oakland County
Explore local mortgage guidance for specific cities served within Oakland County.
Mortgage Programs Available in Oakland County
Ramzi's primary focus programs, available to qualified borrowers in Oakland 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 Oakland County
Ramzi Faraj originates mortgages for buyers and homeowners throughout Oakland 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.
Oakland County Mortgage FAQs
Direct answers about financing a home in Oakland County with Ramzi Faraj and Citizens State Bank.
Does Ramzi Faraj originate mortgages in Oakland County?
Yes. Ramzi Faraj originates mortgages for borrowers purchasing or refinancing homes throughout Oakland County through Citizens State Bank, with in-house underwriting and local decision making.
What loan programs are available to Oakland 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 Oakland 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 Oakland 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 Oakland County?
Buying, refinancing, or investing in Oakland County? Talk to Ramzi Faraj at Citizens State Bank — your Mortgage Coach for Life serving Oakland 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
Send Ramzi a direct message and he will respond promptly.
Ramzi Faraj — Citizens State Bank
Mortgage Coach for Life