Civic Financial Services

KB did a great job. He communicated with me through every step. I have already recommended others. Thanks

This is my 2nd loan through CIVIC FS. I'm a return customer by choice! This loan went through even faster than the 1st and the application for a repeat customer was short and sweet. I love their terms and the ability to extend for six months for such a great fee. CIVIC FS beats the conventional loan market because they are not restricted by the craziness of compliance protocol. Reviews are very quick and Eli is on the ball and at my service. Above all else, CIVIC FS rewards me for having a credit score above 760 with a better interest rate. You all Rock! HI FIVE!!!

I had a client that needed an investor fix and flip program to purchase and rehab a property in Kailua on the island of Oahu. It was a foreclosure sale with a short closing timeline. CIVIC delivered for us. From my initial inquiry about loan products and procedures, to the conference call Jack did with my clients, and through loan closing; CIVIC's service was impressive!

Eli and his team are always amazing to work with! Best team in town!

My account executive, Daniel Molina and his transaction coordinator, Jose Lopez, were great! The helped make my 1st Broker transaction in 10 years really easy and it closed quickly. I will be telling other realtors and loan officers about these great products!

The loan agent Justin Cohen was a pleasure to deal with for the following reasons

1. Very Transparent about the loan process and loan terms

2. Very Prompt in his communication

3. Understanding of borrower's needs and situation.

I've been in the business 12 years and you know when you found a great lending source.. I don't get impressed very easily but i was happily impressed GREAT TEAM WORK! Thank you Galo Naranjo III .. You go above and beyond to make things happen.

Civic really helped us on securing our first deal. They were very patient with us and help us till the end. Everything went well, from the point to the interest that they charged us. I will definitely use them again in the future as we tend to expand our investment portfolio.

"Nick Flowers made the process very stress-free and easy. i enjoy working with Nick(very professional)"

I felt very comfortable using Civic Financial as a hard money lender. There were no hidden costs and everything was kept up front. Rance Brown was an excellent account representative and was always available to answer questions. I would not hesitate using them again.

I have worked with Civic for about 3 years and it has been nothing short of a fantastic experience. The work environment is lively and positive. The offices are amazing and everyone is supportive in the growth of your career.

Civic was great to work with. Very professional and efficient. Our rep Brian was awesome. Highly recommend.

The real deal! Other lenders made promises that they could not keep. Civic financial closed my loan quickly and with little hassle. I'm looking forward to working with them again!

5 stars: Excellent Loan company! Great rates, smooth closings etc... always a pleasure to do business with. I've been working with Whit as my loan processor for a little over a year now, he's been nothing but professional. As soon as I send my property info I receive an email or a call almost immediately to tell me whether or not the deal works. I appreciate that speed !! Whit understands that speed is top priority in this business and especially for me which is the main reason why I love working with Civic! As long as I'm in the Real Estate business, Civic will be my first choice when it comes to the loan! Thanks Whit for all the smooth transactions! Tony C.

My first submission with Kevin and I am very pleased. Kevin's communication, follow through and politeness, truly represent Civic Financial Group. Thank you for the professional and above standard experience.

Civic has paved the way for how lending should be. I am elated to have a partner like Civic. They are hands down the best in the business. I buy and sell close to 150 homes a year and I utilize Civic for all my financing. Great Company to work with especially Paul Blanchard

As I had mentioned it to Kendra, our loan officer, we enjoyed the experience. It was painless and Civic delivered on what they promised. Their team is on top of things and move the process along quickly. As far as Kendra, we couldn't be more grateful. She was there for us and she is someone you can count on when you need, sometimes responding to my texts almost at midnight. You know you have someone on the other end working constantly for you. She made us feel like we were her only client!

The process is easy and Civic seems committed to serve clients through the current pandemic. Mark, my loan officer, was also extremely easy to work with and was responsive throughout the entire process of getting my loan completed.

Savannah Moroz from Civic is the best! Always delivers a 10+ five star service, I highly recommend her.

Civic Financial Services does a good job processing loans for us. Their pricing is fair and they close quickly. I've closed many loans with Jackie Gonzalez.

Working with Civic was great.
Matthew Rabinowitz is extremely helpfull.

Very professional, transparent, smooth process, and a quick closing. Delivered as promised!"

Civic has been a great partner of Lana Capital on the lending side of our projects. We are extremely satisfied with their speed on the analysis and confirmation on their interest. Also, the underwriting is very fast.

My account rep, Henry, was professional and helpful through our loan process. I will continue to use this lender for my clients. Job well done!

There are hundreds of private mortgage companies in U.S, it is very hard to work with the right one. After submit required documents to 3 lender, the result was very disappointed. (broken promises and damage to my credit file)

With Civic Financial Services, they take a little longer but the results are far exceed expectation. All my investment financial for sure will be handle by Chris of Civic Financial Sevices.

Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!.

Rance and his team were great to work with. They were quick to respond and the process was fast. Perfect program for investors.

awesome service as always. Jackie and her team are the greatest!
Jackie is the Loan Queen!!

I took out my first owner builder rehab loan with Patrick Morgan at CIVIC. The process was much simpler and faster than I had anticipated and it was one of the easiest mortgage transactions I have experienced. I look forward to working with CIVIC again in the near future.

Joe Zaniboni at Civic Financial was great to work with. I highly recommend Civic Financial for investment properties

I am a Senior Asset Manager at another lender, and Brian Fung is my go-to guy when it comes to referring my clients to him who are approaching their maturity dates. Brian has refinanced at least a dozen of our loans. Not only has he impressed me, my company, but our mutual clients. Brian goes above and beyond to meet our mutual client's needs. Most importantly, he is ALWAYS available. I look forward to continuing to work with CIVIC and Mr. Fung.

Brian and Kailyn were a pleasure to work with, their communication and responsiveness was amazing. They made the whole process quick and easy. I look forward to working with them in the future

Working with Civic is an absolute pleasure. Professional, proactive, and extremely transparent. They assist from start to finish and Todd is one of the most helpful and knowledgeable professionals in the space. Very happy to work with them and will continue to strengthen the relationship with Civic for future dealings.

We absolutely loved working with Civic! Our broker Blake Rogers agreed to meet us in person and we were very impressed with his knowledge, responsiveness, honesty, and genuine understanding of what WE needed, and try to work with that. We were on a tight timeline and closed in about 2 weeks after we made final decision to move forward! Blake Rodgers and Jeremy Soldate were lightning fast and always available - how refreshing! Great overall experience working with Civic and will definitely be doing business with them again!

Chris L did a great job on funding our difficult deal. He never left me in the dark. I will definitely take my next INVESTOR deal to Civic because of Chris's consistent follow through.

Great Account Executive rep (Melissa Salinas), the best in the business! Very Professional and hopeful at all times, as well as knowledgeable. The UW and approval process can be a little more streamlined as these are private loans, but overall a great company!

Civic recently provided and arranged extremely difficult financing approximating $10 million. Even the CEO got directly involved to make it happen! Excellent in-house escrow services, too! Highly recommend and will definitely use again!

Dishonest company notorious for scraping e-mail addresses and using them for unsolicited e-mail marketing campaign. I don't do business with spammers.

Amazing service! Always quick, efficient, and professional. Definitely continuing business with here!

Galo N. is a great lender; very responsive to all my questions and very kind. He never minds explaining things to me as they arise and helped push to get my deals to closing. I would highly recommend Galo for your hard money needs!

I never give reviews as business is tough, but I must share this experience so other borrowers do not fall into this trap. My firm does a LOT of hard and traditional debt.
Borrowers BEWARE. If you need a loan for rehab, do NOT use this group. Besides being late for docs in closing by a few days in a closing time that was VERY easy to hit (thankfully our seller was patient), Civic does NOT disclose nearly at all from Day 1 the borrower is to pay 100% of the purchase debt + renovation debt! The borrower is paying for money he does not have. Additionally, Civic does not give full draw request amounts but % (Civic does not release renovation draws in full until they meet the maximum amount of renovation loan committed). ALL OTHER LENDERS we deal with charge you for the debt you USE. Not 100% of the renovation debt you have yet to request.
There are a TON of other non-traditional hard money lenders out there. Civic came to me due to our deal flow amount and I told the rep Brian that I would give Civic a small loan as a test that was a "LAYUP"in basketball terms; Civic missed the shot.....airball.

Closed with the pricing quoted, on time and no gimmicks. Truly a professional organization. Jack and Vanessa are a credit to their trade.

Civic has been amazing to work with. They were able to close me very quick. They guide you through the entire process step by step making it very easy to understand. Dawn is the sweetest and always greeted me with a smile on the other end of the phone. I highly recommend their services.

"Peter Kramer s support, availability, and guidance."

Civic's team and professionalism allow the best choices and available products for the real estate investor seeking higher yields and better return on time and investment.

This is the third time we work with Brian and Kailyn from Civic. And they are the best people you can ask for work with from a lender! They make everything so easy so fast and so smooth. Zero headache during the whole transaction, we will stay with them for sure in future for more flip business!

Working whith civic financial services ,was one of the best decision I did, they are very negotiable on rates,fees ,,very transparency, and tks to jenni moates, it's one of the best to work with,, I would recommend to do business whith them, I'm definitely
Doing bussiness again tks to all the team,

Civic Financial has been a pleasure to work with. We thoroughly researched several lenders beforehand and went with Civic for a few reasons. First, the loan application website was modern and streamlined. It was extremely easy to get started and to continue updating along the way. Second, their rates were fair and comparable to others, and they were supportive of our first rehab property. Third, and most importantly, our account executive Brian Fung was simply the best. From the first phone call all the way through closing (and beyond), he was extremely responsive, kind, and informative. We look forward to working with Brian and Civic on many more properties to come.

Awesome service! Prompt reply to inquiries. Fast, efficient process and closing. Well done!

Working with Ryder was great, he is attentive and very helpful!

I had an excellent experience with Civic in obtaining my loan. They were really on top of all the information and processed everything really quickly. This was actually one of the best experiences with closing a loan I have ever had.

I have been working at CIVIC for about a year now, and highly recommend for potential employees and clients alike. The leadership is excellent, staff is extremely attentive, service is first-class, and the atmosphere overall exudes a "CAN-DO" attitude.

Called them after a denial due to difficulties with income although I have a stellar credit score and no lack of down payment. Talked with Matt, painless application, answered EVERY call no matter time day and night (and there were a few to say the least). Funded in 2 weeks! I would recommend this company to anyone..

If loan process could be faster, it would be better..

"Civic is consistent in all they DO. The service is Great. The loan programs are FABULOUS. The team of professional folks I work with from coordinator to processer to UW to closer are simply FANTASTIC. YES, i would recommend Civic We love our Rep-Chris. He is the BEST."

Kendra's team at Civic is very easy to work with. They are knowledgeable in their field and they make the loan process very smooth.

As in Independent sale office,the Civic Financial 'Services" team gives us the tools, insight to overcome obstacles for a smooth underwriting process and eventual. Resulting in bringing value to our clients. Specifically, Jackelyn Gonzales and her team including Rebecca Potter and all behind the scene gives the ISO a feeling as it's our team. Their knowledge, support, pleasant professionalism is the bar of perfection other lenders strive for. My emphasis on 'Services', with today's technology Jackelyn and her team are quickly to reply and or return a call. This traditional service is becoming void and antiquated in business. However, myself and our Representatives have better relationships with our clients practicing returning calls and hands on personal service.r Recognizing this practice will always be a major piece of a successful sales team and their ''Services''. It will never be antiquated to call a client even if there are no updates on a file and informing them your on top of the file. This is Fund Simple's way and the ''Civic'' way. Often when i'm on LinkedIn, I see a an investor looking for programs as yours. Instead of replying to them to contact Fund Simple, I reply with Jackelyn's contact info and my review of Civic. Part of being a successful business is to not take all the time, but also be generous with your knowledge and being consult too. Jackelyn has first look on all applicable files, as well as files that may not fit. In summary, we thank you for your support and continue bringing value and success to our clients, Fund Simple and Civic.
Douglas Rovello
Senior Managing Partner
Fund Simple Inc.
844-337-FUND

Scott Vincenti is probably one of the greatest referrals I ve received. He s very well spoken and just a well rounded guy that is very knowledgeable about the business. He s never not been able to answer a question, on top of he s always prompt to do so. His name has definitely been passed along to my network stream.

Josh Haddad was very professional, courteous, and always answered his phone when I had a question. Only reccomendation, wish UW was done prior to appraisal order. Civic is great and would happily recommend to others. A+++++++

Civic provides superb service and turnaround time, loan officer and supporting staff are knowledgeable and flexible. Great company!!!

Brian and his team are awesome to work with. They make the loan process quick and easy. They are always available to answer any questions or concerns even after work hours. I highly recommend working with Brian and look forward to more transactions on the future

Dawn B. was very helpful and informative from the start! She helped me thru the process and was able to close our 1st deal with Civic Financial within 10 days! No hassles!

Matt is the best. He's by FAR the most professional and conscientious person I've had the pleasure of working with in this field. I look forward to a long and LUCRATIVE partnership!

Matt and his team were incompetent and wasted valuable time with a tight closing. I offered Civic better than a 50% LTV and also brought 2 other free and clear properties worth more than the loan (each!) to back it up. I brought them a "silver platter of a deal" and they completely bungled it at the last minute. I had other solid investors lined up and it was a mistake to choose Civic. Now I'm back to square 1 with the folks I should have trusted to begin with. Thanks for nothing, Civic!

The Civic team makes my deals close seamlessly! There commitment to going above and beyond is what set them apart. Jackie and Becky Are awesome !!! I really appreciate your outstanding lever of customer service. If your goal is to close loans ,Civic know how to ma

They were the only intelligent lender to get my deal done!! Thank you!

Civic is an extremely reliable company,and Scott gave us a superb service.

Deric was great to work with. The process was smooth and quick in these challenging times. I enthusiastically recommend Civic Financial Services.

My experience with Civic has been beyond expectations. They have the right business mentality; very understanding, fast, practical and respectable. I will definitely use their services again and recommend them to my friends and family.

Chris Lushina and his team are absolute Rockstar's!

Todd Kaplan and his team made the experience totally seamless from start to finish. Submitting a loan to Civic is like shopping at Amazon. There are no hidden conditions or holdbacks and the BPO s are right on not to forget great rates!!!!
Jeff Bodner

Justin and his team were amazing during the process of getting our loans and refinances. They were on top of getting all of our paperwork in as fast as they could. On our last transaction we ended up closing within a week. They always kept us in the loop with every step within the process. Justin is a solid mortgage/financial advisor and more importantly a genuine person. Highly recommended. Thanks again for all your help!

AMAZING SERVICE AND HIGH INTEGRITY! NO "BAIT AND SWITCH" TACTICS THAT I HAVE EXPERIENCED FROM OTHER LENDERS. THANK YOU!!! I WILL RECOMMEND YOU TO ALL MY CLIENTS AND ASSOCIATES.

Honest, efficient and personable. Those three things are often mutually exclusive. You may get two of these traits, but these professionals are all three of the major things I look for in a team. Doing business can be challenging, so you need a partner that is committed to excellence and willing to work hard enough to achieve that end. If that happens, your results will shine in a competitive environment. We work a lot, more than most, but we do not outwork this team - Neither will you!

Very professional and friendly, however BE AWARE OF FEES about 5-10k origination fees and if you do a fix and flip and pay it off before a year which is what you generally do they charge you about 7k for paying it off early so just take about 15k off your profit. Read the fine print

CRISTIAN GONZLES AND THE CIVIC COMPANY ITS SELF HAVE GREAT CUSTOMER SERVICE. AMAZING LOAN SOLUTIONS FOR OUR BUSINESS.

Love your company. I hope that by me being a repeat customer, that eventually my credit wouldn t get pulled each time. At least within a year. So my credit doesn t keep getting affected. Overall, great company and will definitely come back for more closings.

Quick, friendly service, Anthony is always available to help with any issues that arise to help get the loan closed.

From the moment I made an inquiry call and got a return call from James Hatcher within minutes I received nothing but excellent service. There was a fast pace the whole time and from start to finish it was over in 8 days. James returned my texts immediately and almost always answered my calls. I am very impressed with him and with the company in general. A big thanks to the whole team. Diana Kilber

An exceptional lender, driven by a team dedicated to your real estate investment success!

Tony and his team made their loan process painless! This is my second time working with Tony and you can bet I will be coming back!

Jack Lupo is the GREATEST!!! He is alway helpful and knows how to work with our customers. THANKS JACK Elk Funding Inc.

Fist loan with Civic Financial. Excellent service provided by Eric and Dianabel. Constant communication and updates. Went out of their way to help us resolve 3rd party issue that was delaying our loan. Look forward to working with you guys on future projects.

Very professional company and they work hard to satisfy the customer and get the loan funded.

I am so pleased with Civic Financial Services. I have closed many loans with them and they have never failed my expectations. They are prompt with underwriting, approvals and closing. All my clients are very happy with Civic. Civic is the first place I go when a loan comes in my office. Thanks to every one at Civic Financial Services. Keep up the good work.

Upfront with everything, professional, diligent, always eager to help and solve problems

Nick Flowers and Civic was excellent to work with through the entire loan process. I found Nick to be very responsive and professional. I would use Nick again and I would highly recommend him to my investor friends.

It was a pleasure meeting Melissa Salinas at a recent REIA in Dallas. She earned our trust with her friendly nature and professionalism. Melissa and Michael Hoyt provided an excellent lending experience, knowledge and patience as my company joined a new lender. They were both "on the ball", very responsive and fast! We are happy to recommend this team to others.

I have been an investor since my first Townhouse in California. I applied with Civic and after grueling paperwork and tasks to complete with a property on the line. Come to find out 3 days after my needed closing date that they said "we can't" move forward with my loan, putting me MORE behind, and i already own the damn property, all because they said i am "directly related" to my Renter!! What planet are you from??!!! ???

Do not waste 2 weeks waiting for a close, go with REAL Private money lenders, and NOT a bank type lender!

Found a real lender and closed in 5 days! Stay away from CIVIC FINANCIAL, they might loose your deal since they have an assistant for their assistants. Too big and will fall like the banks did!

great experience. Chris was great to work with and got the financing done fast and without issues. Would recommend without hesitation.

Always a great experience working with Civic. Very professional, excellent service and helpful every step of the way. Specifically, I've worked with Whit and Vanessa and those two are awesome!

From start to finish, my experience with Civic was first class. I will be a repeat customer and would recommend Civic over anyone else. Thanks for showing me what right looks like.

John Paul has been helping my business with transactions for over a year now. He has great communication and even better follow up. I consider him to be a great part of my team when it comes to financing a purchase.

Civic closed my loan fast and easy without any problems. I was impressed with the personal attention Chris gave to the deal. I'm a commercial loan broker and I'm sure I'll use Civic again.

Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.