Ramzi was great to work with! He got my mortgage done with a very short deadline to work with, and kept me in the loop at all times. Highly recommend using him! Less

Very bad experience dealing with RAMZI Faraj, at the beginning he promised me with low rate and reasonable closing cost but at the time of closing everything changed , extremely high rate and crazy closing cost. I don’t recommend this loan officer i lost my deposit end appraisal fee du to lack of his work and RAMZI do not try to call me again Less

Ramzi was awesome in assisting me with my home loan. The team at citizens state bank were very helpful and attended my every need. Thanks again to Ramzi and his amazing team! Less

The team at Citizens State Bank saved my home. They secured a mortgage for me to buy out my land contract even with my tough self employed status, not great credit and tough debt to income ratio due to many moving parts of having started two small business in the course of 2 years. CSB put my mortgage in place inside of 30 days to prevent me from having the courts clawback my home for the land contract holder. The whole team was professional yet personable, very knowledgeable, and an provided an excellent experience with fantastic resultsThank you CSB Tean 🙏🏻 Less

Ramzi was over the top helpful. No matter what twist and turn I threw at him, he was always available to help, and I was a problem child. Scale only allows for 5 stars, but he was worth a 10 in my book Less

Ramzi knows the Mortgage business inside and out my client was a little difficult in their situation he handled all obstacles and got us to closing in less time than expected Less

Ramzi was very attentive and paid attention to what we needed. He was always available to answer any questions that we had and we were able to close within a month! Very professional and knowledgeable. Less