Mortgage Loans in Birmingham, Michigan
Birmingham is one of metro Detroit's most established luxury markets, where higher-value homes frequently require jumbo mortgage financing. Ramzi Faraj structures portfolio jumbo loans for Birmingham buyers through Citizens State Bank.
Premium market — common jumbo and luxury financing territory.
Jumbo, bank statement, and asset-based qualification options suit Birmingham's high-net-worth and self-employed buyers.
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 Birmingham get clear guidance and consistent communication from application through closing and beyond.
Ramzi Faraj
NMLS #162269Citizens State BankFinancing homes in Birmingham? 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 Birmingham? 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.
Mortgage Programs Available in Birmingham
Ramzi's primary focus programs, available to qualified borrowers in Birmingham 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 Birmingham
Ramzi Faraj originates mortgages for buyers and homeowners throughout Birmingham. While loans are coordinated from the Citizens State Bank office in Royal Oak, Ramzi serves this area by phone, video, and in-person appointment.
Birmingham Mortgage FAQs
Direct answers about financing a home in Birmingham with Ramzi Faraj and Citizens State Bank.
Can I get a mortgage to buy a home in Birmingham?
Yes. Ramzi Faraj finances purchases and refinances in Birmingham through Citizens State Bank, with conventional, FHA, VA, jumbo, investment, bank statement, and down payment assistance options for qualified borrowers.
Are down payment assistance and the Michigan MCC available in Birmingham?
Eligible Birmingham buyers may use Michigan down payment assistance (DPA) grants and the Mortgage Credit Certificate (MCC) tax credit. Program eligibility depends on income, purchase price, and first-time buyer status.
Does Ramzi help investors finance rental property in Birmingham?
Yes. Ramzi offers investment property loans, including DSCR financing that qualifies on property cash flow, for investors buying rentals in Birmingham.
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 Birmingham?
Buying, refinancing, or investing in Birmingham? Talk to Ramzi Faraj at Citizens State Bank — your Mortgage Coach for Life serving Birmingham.
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.
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Ramzi Faraj — Citizens State Bank
Mortgage Coach for Life