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Civic Financial Services

Fast, Honest, Simple Lending

Direct Hard Money Lender for Residential Investment Properties

Civic Financial Services is a direct private money lender, working exclusively with real estate investors to fund non-owner occupied residential investment properties.

We are well capitalized through our Wall Street partners and with our direct access to capital will work to the best of our ability to fund your deal as quickly as possible.

Since 2014 we have funded over $2.5 billion in residential real estate loans and with over 200 employees we are positioned to increase our number of deals funded every year.

Our goal is to assist first-time and experienced borrowers with easy and efficient short term financing solutions for their real estate projects.

Lending Guidelines

Amounts
$100k - $8m
Rates
8.5% - 11.25%
LTV
80%
LTC
90%
Origination Fee
1% to 5%
Term Length
12 to 48 months
Closing Time
5 to 7 days

Loan & Property Types

Loan Types
  • Purchase
  • Fix and Flip
  • Refinance
  • Bridge
  • Cash-out
    • Property Types
  • 2 to 4 units
  • Multi-Family
  • Single-Family
  • Condominium
  • Manufactured Home

    • Loan Parameters & Fees

    Parameters
    Credit check required
    Interest-only loans
    Lend to forgien nationals
    Owner-occupied property allowed
    Will lend on purchases from auctions
    Does property have to be under contract
    Will provide proof of funds letter
    Has pre-payment penalities
    Minimum FICO score
    400
    2nd position loans
    Lends on land
    Lends to first time borrowers
    Lends on ground-up construction
    Fees
  • Inspection

    *

  • Underwriting

    • *

    = upfront,

    ^

     = 3rd party

    Areas Served

    Map of Top USA Hard Money Lenders by StateAlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWisconsinWest VirginiaWyoming

    Civic Financial Services

    877-472-4842
    Website
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    Address
    2015 Manhattan Beach Blvd
    Redondo Beach, California
    Year Established
    2014
    Number of Employees
    201 to 500
    We Work With
    Borrowers, Brokers
    EmpireFunders
    • Home
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    • Contact

    EmpireFunders, 2093 Philadelphia Pike #7979, Claymont, Delaware, 19703