Michigan Neighborhood Service Area

Downtown Royal Oak Mortgage Services

Downtown Royal Oak is a walkable core of condos, townhomes, and lofts near the Citizens State Bank office. Ramzi Faraj helps Downtown Royal Oak buyers finance condos and refinances through Citizens State Bank.

Call Ramzi: (248) 613-9044Apply Online

About Lending in Downtown Royal Oak

Walkable downtown — condos, townhomes, and lofts.

Condo, conventional, and first-time buyer programs fit Downtown Royal Oak.

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 Downtown Royal Oak get clear guidance and consistent communication from application through closing and beyond.

Condo financing with project review

First-time buyer DPA and Michigan MCC options

Conventional and refinance options

In-person service at the Citizens State Bank office

Ramzi Faraj

NMLS #162269Citizens State Bank

Financing homes in Downtown Royal Oak? 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 Downtown 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.

Download Free PDF Learn More About the Book

Neighborhoods in Downtown Royal Oak

Explore local mortgage guidance for specific neighborhoods served within Downtown Royal Oak.

Royal Oak NorthEstablished single-family streets near the office.

Mortgage Programs Available in Downtown Royal Oak

Ramzi's primary focus programs, available to qualified borrowers in Downtown Royal Oak through Citizens State Bank.

Primary Focus

Second Home Loans

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

Explore Primary Focus

Investment Property Loans

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

Explore Primary Focus

Bank Statement Loans

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

Explore Primary Focus

Jumbo Loans

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

Explore Primary Focus

Down Payment Assistance (DPA)

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

Explore Primary Focus

Michigan MCC Program

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

Explore

Neighborhood Service Area

Serving Downtown Royal Oak

Ramzi Faraj originates mortgages for buyers and homeowners throughout Downtown 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.

Loan Office32500 Woodward Ave, Royal Oak, MI 48073

Direct Phone(248) 613-9044

Call Ramzi Open Downtown Royal Oak in Maps

Downtown Royal Oak Mortgage FAQs

Direct answers about financing a home in Downtown Royal Oak with Ramzi Faraj and Citizens State Bank.

Can I finance a home in Downtown Royal Oak with Citizens State Bank?

Yes. Ramzi Faraj originates mortgages for homes in Downtown Royal Oak, Royal Oak, through Citizens State Bank, with conventional, FHA, VA, jumbo, condo, and investment options for qualified borrowers.

Is Downtown Royal Oak a good area for first-time buyers?

Downtown Royal Oak offers a range of entry points. Eligible first-time buyers may use down payment assistance and the Michigan MCC; contact Ramzi to review program eligibility for a specific Downtown Royal Oak property.

Where is the nearest Citizens State Bank mortgage office to Downtown Royal Oak?

Ramzi is based at 32500 Woodward Ave, Royal Oak, MI 48073 in Oakland County. He serves Downtown Royal Oak 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 Downtown Royal Oak?

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