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Orange County private money lending
Seasoned real estate investors who have been in the business for quite some time can probably tell you a few stories about some of the earlier deals they tried to finance and why they didn’t go through. Many times the property being financed meant a loan amount of $300,000. The investor goes to the bank and the bank wouldn’t touch it because the deal was too small. At CIVIC, that’s not an issue. In fact, we specialize in transactions in the $250,000 to $2 million dollar range.

Other investors can tell you how a lender would promise an approval, ask for a non-refundable deposit upfront and soon thereafter turn down the deal. Others can recall applying for financing on a multifamily property at a company only to discover the company is a broker and only originates the loan and doesn’t approve any part of the transaction. With CIVIC, none of that will happen. From the beginning to the end, CIVIC is there.

Our transparent approval process means our clients know upfront what to expect, from how much down payment will be needed to the interest-only payments due each month, until the project has been completed and sold or permanent funding provided. At CIVIC, we are the direct lender and we make the decisions. Our initial evaluation process fully vets each scenario so our clients know in advance what to expect and when. From the appraisal to underwriting to post-closing, CIVIC is there each step of the way.

And because we’re a true private lender we have the ability to say “yes” when others can only say “no.” Our underwriting guidelines are our own and we don’t need to send the file out to third parties for a secondary approval. We set the rules and we decide. That’s why when we initially vet a potential transaction and give it the thumbs up, our clients can work on other acquisitions without worrying whether or not the deal will work out. Unfortunately that’s an all too common scenario in the world of private lending but not at CIVIC. Because our internal staff oversees the entire approval process from beginning to end there’s no need to go elsewhere. It’s a fully transparent, genuine and straightforward process. We lend and you pay us back with interest only payments and replace our loan at the end of the balloon term. #ThinkOutsideTheBank

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Civic Financial is an Equal Housing Lender

© 2018 Civic Financial All Rights Reserved. Located in Redondo Beach, California, Civic Financial Services LLC is a leading private money lending provider servicing the greater Los Angeles, Dallas, Phoenix, Seattle, Portland, Denver, Miami, South Beach, Tampa, Sarasota, San Diego, San Francisco, Irvine, Las Vegas, San Jose, Riverside, San Bernardino and surrounding communities. Civic specializes in short term, non-owner occupied and investment properties financing utilizing private hard money and bridge loans.

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 DBO License #603L321, AZ Mortgage Broker License #092863, CO Mortgage Company Registration, ID Mortgage Broker/Lender License #MBL-8288, FL Mortgage Lender Servicer License #MLD1536, NV Mortgage License MB4419, NV Broker License #4443, NV NMLS ID #1410002, OR Mortgage Lending License #ML-5282, TN Mortgage License #136082, UT DRE Mortgage Entity License #10570639, WA Consumer Loan Company License #CL-1099109. Civic Financial Services, LLC is an equal opportunity lender. Powered by - Mortgage Website Automation


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Contact Michael Jablonsky (424) 269-3458
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