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

We lend in 15 states: AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, VA WA

Loan Amounts

$100,000 to $8,000,000

Interest Rates

8.50% to 11.25%

Max Loan-To-Value

80.00%

Max Loan-To-Cost

90.00%

Origination Fees

1% to 5%

Loan Terms

12 months to 48 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Condominium
  • Manufactured Home
  • Multifamily
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent

Specialty Loan Types

  • Partner Buyout

Purchase Loan

Max Loan-To-Purchase Price

90.00%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Family

Rehab Value Add Loan

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100.00%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

2

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

5

Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty

yes

Required Interest Payments: 1 year: NONE, 2 year: 8 months. 4 year: 18 months

Will lend to a foreign national

yes

Foreign National Required Docs: 1. Passport. 2. ITIN/EIN Number. 3. Funds must be in US Account

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Corporation

Documentation Required

  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required

Sometimes

Credit Check Required

yes

Credit Check Description

No minimum credit score required

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Fees

Processing Fee

$1,195

Inspection Fee

$295 for BPO (only upfront cost)

Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Inspection Fee

Fees which are charged upfront prior to loan closing

  • Inspection Fee

Legal Disclaimer

This is not a commitment to lend. Restrictions may apply. LTV limit is based on current, accurate appraised value. Civic Financial Services, LLC reserves the right to amend rates and guidelines. All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under NMLS 1099109 and the California Department of Business Oversight License #603L321, AZ Mortgage Broker License #092863, FL Mortgage Lender Servicer License #MLD1536, NV Mortgage License MB4419, NV Broker License #4443, NV NMLS ID #1410002, OR Mortgage Lending License #ML-5282, UT DRE Mortgage Entity License #10570639. Civic Financial Services, LLC is an equal opportunity lender.

Civic Financial is a private money lending group specializing in the financing of residential investment properties. Civic Financial provides mortgage brokers, investors, and real estate agents with a mortgage lending solution for investment property acquisition and refinance transactions. We possess direct capital to lend and fully control the transaction process from start to finish to allow for quick closings.

Civic Financial Services, LLC is a California Finance Lender under NMLS 1099109 and the California Department of Business Oversight License #603L321, AZ Mortgage Broker License #092863, FL Mortgage Lender Servicer License #MLD1536, NV Mortgage License MB4419, NV Broker License #4443, NV NMLS ID #1410002, OR Mortgage Lending License #ML-5282, UT DRE Mortgage Entity License #10570639.

License

NMLS ID #1099109, CFL #603L321

Year Established

2015

Associations

  • American Association of Private Lenders - Member

Office Locations

Civic HQ
2015 Manhattan Beach Boulevard, Suite 106, Redondo Beach, California 90278

Orange County Office
2211 Michelson Drive #750, Irvine, California 92612

Nevada Office
2320 Potosi Street #110, Las Vegas, Nevada 89146

Arizona Office
4520 N 12th Street #102, Phoenix, Arizona 85014

North LA Office
24025 Park Sorrento #260, Calabasas, California 91302

Northern California Office
655 Montgomery Street, San Francisco, California 94111

Florida Office
100 SE 3rd Avenue, Floor 10, Fort Lauderdale, Florida 33394

Oregon Office
920 SW 6th Avenue, Portland, Oregon 97204

Texas Office
600 Congress Avenue, Austin, Texas 78701

North Carolina Office
615 S College St Suite 08-137, Charlotte, North Carolina 28202

Washington State Office
550 Kirkland Way #404, Kirkland, Washington 98033

Colorado Office
1700 Lincoln Street, Unit 17-133, Denver, Colorado 80203

Primary Capital Source

  • Own Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage

100%

Percentage of Loans Secured by Commercial Property

20%

Percentage of Loans Secured by Residential Property

80%

Percentage of Residential Property Loans Which are Fix and Flip

80%

Percentage of Residential Property Loans Which are Buy and Hold

20%

Matthew Marky

Senior Account Executive

Direct Private Money Lender / Investment Financing Specialist - Providing financing for investors, mortgage brokers, and realtors!

License Information
NMLS - 1099109

William Tessar

President

License Information
NMLS - 252330

Merced Cohen

Director of Operations

Matt Flores

Senior Director of Marketing

Whit McCarthy

Director of Sales

License Information
NMLS - 1685511

Jack Helfrich

Director of Sales

License Information
NMLS - 1099109

Brian Murphy

Managing Director of Multifamily Lending

License Information
NMLS - 1099109

Gina Comeaux

Director of Communications

Kaitlin O'Reilly

Director of Strategy & Business Development

Sophie Kim

Director of People & Culture

Zeenat Zonte

Director of Correspondent Lending

License Information
NMLS - 1099109

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

$
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months

At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)

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If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

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(temp use, storage, billboard, parking, etc.)

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If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

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how will the loan be paid off?

acres

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