Why Choose Ramzi Faraj as Your Mortgage Coach for Life?
In a mortgage market increasingly driven by AI chatbots, automated call centers, and one-size-fits-all online applications, Ramzi Faraj offers something different: personal guidance, local expertise, and a long-term commitment to your financial success. You'll work directly with an experienced mortgage professional who takes the time to understand your goals, explain your options, and help you make confident decisions.
Ramzi Faraj
NMLS #162269
VP, Consumer Lending Manager
How does working with a mortgage coach at Citizens State Bank benefit buyers?
Ramzi Faraj is a VP, Consumer Lending Manager at Citizens State Bank in Royal Oak, Michigan, offering personalized mortgage coaching backed by a 112+ year community bank. Unlike automated online lenders, Ramzi provides direct cell-phone access, education-first guidance, and long-term rate monitoring — helping homebuyers, self-employed borrowers, and real estate investors choose the right loan structure for their financial goals.
The 5 Pillars of Ramzi's Mortgage Approach
Built on transparency, accessibility, and long-term financial growth.
1. Direct Personal Access
When you call Ramzi, you talk to Ramzi. No robotic phone trees or being passed between multiple junior processors. You have his direct personal cell phone.
2. "Coach for Life" Strategy
A mortgage is usually a family's largest financial liability. Ramzi evaluates how your mortgage fits into your overall wealth building, tax planning, and retirement goals.
3. Education & Empathy
Whether you're a first-time buyer confused by jargon or a seasoned real estate investor structuring a DSCR portfolio, Ramzi takes the time to explain every detail clearly.
4. Expertise Across Complex Mortgage Scenarios
From first-time homebuyers to self-employed borrowers and real estate investors, Ramzi helps clients navigate situations that often require more creativity, experience, and strategy than a standard mortgage transaction.
5. Citizens State Bank Power
Common-sense portfolio underwriting, fast in-house processing, and the stability of a 112+ year Michigan community bank.
6. Long-Term Rate Monitoring
Our team monitors market changes post-closing. If interest rates drop or refinancing allows you to eliminate PMI, Ramzi contacts you proactively.
Backed by Citizens State Bank's 112-Year Legacy
Citizens State Bank combines big-bank technology with small-town personal service. Recognized as Best Bank in the Detroit Free Press Community Choice Awards and featured in Forbes & Fortune's Best in Banking in Michigan.
Ready to Talk with Ramzi?
No obligation. Just an open, honest discussion about your mortgage questions and goals.
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 Take the Next Step Toward Your Mortgage Goal?
Whether buying a second home, securing an investment property, or refinancing your current loan, Ramzi is here as your Mortgage Coach for Life.
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