Michigan Neighborhood Service Area

Royal Oak North Mortgage Services

Royal Oak North offers established single-family streets popular with move-up families and investors. Ramzi Faraj finances purchases, refinances, and investment property in Royal Oak North through Citizens State Bank.

Call Ramzi: (248) 613-9044Apply Online

About Lending in Royal Oak North

Established single-family streets near the office.

Conventional, investment, and refinance options fit Royal Oak North.

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 North get clear guidance and consistent communication from application through closing and beyond.

Conventional purchase and refinance options

Investment property and DSCR financing

Bank statement loans for self-employed owners

Local underwriting at Citizens State Bank

Ramzi Faraj

NMLS #162269Citizens State Bank

Financing homes in Royal Oak North? 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 Royal Oak North? 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 Royal Oak North

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

Downtown Royal OakWalkable downtown — condos, townhomes, and lofts.

Mortgage Programs Available in Royal Oak North

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

Primary Focus

Second Home Loans

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

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Investment Property Loans

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

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Bank Statement Loans

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

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Jumbo Loans

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

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Down Payment Assistance (DPA)

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

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Michigan MCC Program

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

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Neighborhood Service Area

Serving Royal Oak North

Ramzi Faraj originates mortgages for buyers and homeowners throughout Royal Oak North. 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 Royal Oak North in Maps

Royal Oak North Mortgage FAQs

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

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

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

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

Royal Oak North 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 Royal Oak North property.

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

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

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