Mortgage Loans in Royal Oak, Michigan
Royal Oak is a walkable, high-demand Oakland County city and the home of the Citizens State Bank mortgage office where Ramzi Faraj is based. Buyers here range from first-timers in downtown condos to move-up families and investors financing duplexes and single-family rentals.
Home of the Citizens State Bank mortgage office.
Because the office is in Royal Oak, borrowers get same-day, in-person mortgage guidance and local decision making.
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 Royal Oak get clear guidance and consistent communication from application through closing and beyond.
Ramzi Faraj
NMLS #162269Citizens State BankFinancing homes in Royal Oak? 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 Royal Oak? 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.
Neighborhoods in Royal Oak
Explore local mortgage guidance for specific neighborhoods served within Royal Oak.
Mortgage Programs Available in Royal Oak
Ramzi's primary focus programs, available to qualified borrowers in Royal Oak 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 Royal Oak
Ramzi Faraj originates mortgages for buyers and homeowners throughout Royal Oak. While loans are coordinated from the Citizens State Bank office in Royal Oak, Ramzi serves this area by phone, video, and in-person appointment.
Royal Oak Mortgage FAQs
Direct answers about financing a home in Royal Oak with Ramzi Faraj and Citizens State Bank.
Can I get a mortgage to buy a home in Royal Oak?
Yes. Ramzi Faraj finances purchases and refinances in Royal Oak 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 Royal Oak?
Eligible Royal Oak 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 Royal Oak?
Yes. Ramzi offers investment property loans, including DSCR financing that qualifies on property cash flow, for investors buying rentals in Royal Oak.
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 Royal Oak?
Buying, refinancing, or investing in Royal Oak? Talk to Ramzi Faraj at Citizens State Bank — your Mortgage Coach for Life serving Royal Oak.
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