Downtown Detroit Mortgage Services
Downtown Detroit offers condos and lofts along the riverfront, with financing needs that range from conventional condos to jumbo penthouses. Ramzi Faraj helps Downtown Detroit buyers finance condos and refinances through Citizens State Bank.
Condos, lofts, and urban living along the riverfront.
Condo, conventional, and jumbo financing fit Downtown Detroit.
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 Detroit get clear guidance and consistent communication from application through closing and beyond.
Ramzi Faraj
NMLS #162269Citizens State BankFinancing homes in Downtown Detroit? 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 Downtown Detroit? 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 Downtown Detroit
Explore local mortgage guidance for specific neighborhoods served within Downtown Detroit.
Mortgage Programs Available in Downtown Detroit
Ramzi's primary focus programs, available to qualified borrowers in Downtown Detroit 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 Downtown Detroit
Ramzi Faraj originates mortgages for buyers and homeowners throughout Downtown Detroit. While loans are coordinated from the Citizens State Bank office in Royal Oak, Ramzi serves this area by phone, video, and in-person appointment.
Downtown Detroit Mortgage FAQs
Direct answers about financing a home in Downtown Detroit with Ramzi Faraj and Citizens State Bank.
Can I finance a home in Downtown Detroit with Citizens State Bank?
Yes. Ramzi Faraj originates mortgages for homes in Downtown Detroit, Detroit, through Citizens State Bank, with conventional, FHA, VA, jumbo, condo, and investment options for qualified borrowers.
Is Downtown Detroit a good area for first-time buyers?
Downtown Detroit 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 Detroit property.
Where is the nearest Citizens State Bank mortgage office to Downtown Detroit?
Ramzi is based at 32500 Woodward Ave, Royal Oak, MI 48073 in Wayne County. He serves Downtown Detroit 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 Downtown Detroit?
Buying, refinancing, or investing in Downtown Detroit? Talk to Ramzi Faraj at Citizens State Bank — your Mortgage Coach for Life serving Downtown Detroit.
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