SPECIALIZED PRODUCTS | STRAIGHTFORWARD TERMS | EXCEPTIONAL SERVICE
CIVIC specializes in the purchasing or refinancing of non-owner occupied residential properties. Civic provides Mortgage Brokers, Borrowers, Investors, and Real Estate Agents with funding for Investment property acquisition and refinancing. We use our own institutional capital to provide business purpose loans for clients that seek to:
- Fix & Flip
- Buy & Hold
- Rate & Term
- Cash Out Refinance
- Bridge Financing
With a specialized set of market competitive products, CIVIC makes possible the ability to acquire multiple properties and gives investors leverage over their cash position.
Property Geographic Area Details
- 2-4 Units Residential
- Manufactured Home
- Portfolio of Residential Properties
- Single Family Residence
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Long-Term Rental
Specialty Loan Types
- Partner Buyout
- Residential Long-Term Rental
Max Loan-to-Purchase Price90%
Borrower Must Have Property Under Contractno
Will Provide Proof of Funds Letteryes
Will Consider Lending on Purchase from Auctionyes
Allowed Source of Borrower’s Equity
- Own Cash
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
Minimum Number of Value-Add Projects Completed by Borrower0
Will Provide Funds for Renovation Costsyes
Max LTC for Renovation Costs100%
Interest Charged for Renovation CostsEntire Amount of Total Project Costs
Typical Number of Days for Funds Draw2
Maximum After Repair Value75.00%
Minimum Loan Amount$75,000
Maximum Loan Amount$10,000,000
Minimum Interest Rate4.25%
Maximum Interest Rate9.99%
Minimum Origination Fee1%
Maximum Origination Fee5%
Minimum Loan Term60 months
Maximum Loan Term120 months
Minimum Debt Service Coverage Ratio0.99
Will Lend on a Portfolio of RentalsYes
Minimum Number of Properties1
Maximum Number of Properties9
Minimum Property Value$75,000
Maximum Property Value$10,000,000
$320 for BPO (only upfront cost)
1 point on the original loan amount
Fees which are mandatory for all new borrower clients
- Processing Fee
- Inspection Fee
Civic Financial Services Testimonials
"Closed on time and my rep is always available for me. Sending all my files to Civic."
"Civic is very responsive to client needs with clear communication of lending programs available based on what has been presented. They are a pleasure to work with."
"I have closed multiple deals with Civic and it's always a pleasure. As a broker, Civic is a breeze to work with and I enjoy doing business with them. I will continue to use their service for as often as I can."
"The team helped me in every way possible to close on the loan. They went above and beyond and were also going up against an aggressive schedule/deadline. I have already recommended CIVIC to others."
"The process was smooth and completed in the timeframe and with same terms described at application. Questions were answered quickly and overall communication was good throughout transaction."
"Giving this company a 10 rating as all the employees were friendly and responsive when I emailed and called for updates on the process of the loan."
"As a broker, communication is key and the team at Civic provides open lines of communication and they always respond in a quick, timely manner. They support every step of the process and make for a stress-free process."
"They understood the numbers, saw the opportunity and closed quickly. First of many deals we hope to do with Civic."
"Service was great. The entire team was responsive and accurate. The procedure was transparent and communication was never a problem. I also liked the reasonably priced valuation."
"Great response time and a courteous staff that know their products. They give you the information you need to make it happen."
CIVIC Financial Services is a private money lending group specializing in the financing of residential investment properties. CIVIC provides mortgage brokers, investors, and real estate agents with a mortgage lending solution for investment property acquisition and refinance transactions. We are a DIRECT lender and fully control the transaction process from start to finish to allow for quick closings.
- American Association of Private Lenders
Office LocationsCivic HQ
2015 Manhattan Beach Boulevard, Suite 106, Redondo Beach, California 90278
Orange County Office
18650 MacArthur Blvd, Suite 250 , Irvine, California 92612
2320 Potosi St, Suite 110, Las Vegas, Nevada 89146
2425 E Camelback Rd, Suite 04-106, Phoenix, Arizona 85016
24025 Park Sorrento, Suite 260, Calabasas, California 91302
Northern California Office
655 Montgomery St, 6th Floor , San Francisco, California 94111
100 SE 3rd Avenue, Floor 10, Fort Lauderdale, Florida 33394
920 SW 6th Ave, Portland, Oregon 97204
5960 Berkshire Ln, 6th Floor, Dallas, Texas 75225
North Carolina Office
2137 South Boulevard 3rd Suite 300, Charlotte, North Carolina 28203
Washington State Office
550 Kirkland Way #404, Kirkland, Washington 98033
1700 Lincoln Street, Unit 17-133, Denver, Colorado 80203
2137 South Blvd Suite 300, Charlotte, NC 28203
209 10th Ave S, Suite 560, Nashville, TN 37203
NMLS - 252330
SVP Retail Lending
NMLS - 1099109
SVP Correspondent Lending
NMLS - 1685511
Director of Operations
Senior Director of Marketing
Director of Communications
Director of Strategy & Business Development
Director of People & Culture
Our Minimum Loan Amount Is
What We Do
- Bridge, Fix & Flip, Long-Term Rental Loans
- Residential & Multifamily Properties
- LTV up to 80%
- 20%+ Cash Required for Flips
- NO Owner-Occupied Homes
- NO 100% Financing
- NO Gap Funding or 2nd's
- NO Rural Areas
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