Best Cities To Find Discounted Home Listings

Best Cities To Find Discounted Home Listings
Posted Tuesday January 15, 2019 in Investing, Real Estate

Discounted listings are becoming more commonplace, with 38 of the largest 45 U.S. markets seeing an increase in price reductions in December, according to a new report from realtor.com®. The highest number of price reductions on homes was in Charlotte, N.C., where 24 percent of listings were discounted in December, followed by San Jose, Calif.…

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House Flipping Is Not Slowing Down In These Cities

House Flipping Is Not Slowing Down In These Cities
Posted Wednesday January 9, 2019 in Investing, Real Estate

Despite the U.S. ostensibly shifting to more of a buyer’s market, flipping is still growing in certain pockets. Flips are popular, in part, because first-time buyers want affordable homes that entail little upfront improvements, according to Charles Tassell, chief operating officer of the National Real Estate Investors Association. “(Millennials) want to move into a home…

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How to Determine Average Vacancy Rate

How to Determine Average Vacancy Rate
Posted Wednesday January 2, 2019 in Investing, Real Estate

Vacancy rate: This term denotes the percentage of a year that a property will sit empty. It is a very important calculation to include in your numbers when you buy a rental property in , but it is also an “average” number that you should consider when determining the best location in which to purchase…

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3 Ways to Make the Most on Your Orange County Flip

3 Ways to Make the Most on Your Orange County Flip
Posted Wednesday December 26, 2018 in Investing, Private Lending

We frequently encounter investors who are not getting hot prices on their flips. Usually, this is directly linked to a few common misconceptions nearly every seller, investor or otherwise, is prone to when they are listing in a market with very high housing demand. If you want “highest and best” to be the highest possible…

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Types Of Hard Money Lenders

Types Of Hard Money Lenders
Posted Tuesday December 18, 2018 in Investing, Private Lending

Are you aware that there are different types of hard money lenders? To begin with, the classification “hard money lender” can describe multiple types of lenders, and you need to know which type you’re dealing with before you borrow. Knowing exactly where your funds will be coming from can make a big difference in your…

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How to Calculate Net Operating Income

How to Calculate Net Operating Income
Posted Tuesday December 11, 2018 in Investing, Real Estate

You can calculate net operating income (NOI) for your real estate investment by using the generally accepted net operating income formula, which is your potential rental income plus any additional property-related income minus vacancy losses minus total operating expenses. Keep in mind the net operating income formula can vary depending on who calculates it. For…

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Three Approaches To Real Estate Value

Three Approaches To Real Estate Value
Posted Tuesday December 4, 2018 in Investing, Real Estate

There are three methods real estate investors or analysts use to arrive at their opinion of value. One or more of these methods can be used in any given assessment. Typically, the primary method used will rely almost entirely on the type of property being assessed or appraised. Other determining factors may include the goal…

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‘NOT JUST A TAGLINE’ — CIVIC CEO William J. Tessar Featured in California Business Journal

‘NOT JUST A TAGLINE’ — CIVIC CEO William J. Tessar Featured in California Business Journal
Posted Monday October 15, 2018 in Press

William J. Tessar, President and CEO of Civic Financial Services, has been featured in California Business Journal.  In the feature article, Tessar provides insight to his “people first” philosophy, CIVIC’s plans for continued expansion, and creating a happy workforce even amidst exponential growth. “Imagine quadrupling business in 1 1/2 years. Well, Civic Financial Services did it…

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Civic Financial Services Closes $190 Million Securitization

Civic Financial Services Closes $190 Million Securitization
Posted Tuesday June 26, 2018 in News

Greg Geiser, CEO and Founder of Wedgewood, listens to the closing call with the CIVIC and Wedgewood teams. Historic bond offering – believed to be largest securitization in history for private residential lending space – provokes industry shift via transparency into loan performance. Civic Financial Services (“CIVIC”) announced that it has completed CIVIC 2018-1, a…

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Glassdoor Names William J. Tessar of CIVIC a Top CEO

Glassdoor Names William J. Tessar of CIVIC a Top CEO
Posted Monday June 25, 2018 in News

Our employees are to thank today as William J. Tessar has been named a Top CEO by Glassdoor, according to the company’s most recent report.  Glassdoor®, one of the world’s largest job and recruiting sites, released its annual report highlighting the Top CEOs in several countries throughout North America and Europe. Tessar appears as number…

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© 2019 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.

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. Powered by Lenderd.com - Mortgage Websites

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Contact Michael Jablonsky (424) 269-3458
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