Think Outside the Bank

August 15, 2017

CIVIC Financial Services is your private money lending partner. Our specialty is helping mortgage brokers, realtors, and investors purchase or refinance non-owner occupied residential properties. If you’re looking for a respected […]

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Private Loan Terms Explained

November 8, 2017

Private lenders have their own language used in the mortgage approval process and if you’re new to real estate investing we’d like to take a moment to review some commonly […]

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Why CIVIC Approves Loans Differently

November 1, 2017

When you’re a private lender like we are, you get to set your own rules. That’s much different compared to traditional lending in today’s marketplace. Here in the United States, […]

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Cross-Collateralization: The Gateway to Unused Equity

October 24, 2017

Cross-collateralization is a term used to describe a loan that is collateralized with multiple properties. One loan with multiple recorded liens. Most investors prefer the term “blanket loan” which essentially […]

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Do Private Lenders Specialize?

October 17, 2017

Private lenders, like CIVIC, finance real estate investments using their own funds. Doing so means the lender can finance most any proposal it chooses. As long as the lender sees […]

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Bank Financing vs. Civic Financial Services

October 10, 2017

You know that we take a different approach when we review an application, either generated by a mortgage lender or broker, a real estate agent or directly from the ultimate […]

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How Does Private Money Impact the Community?

October 3, 2017

Civic Financial Services specializes in financing certain real estate properties that traditional lenders won’t. Why would a bank turn down a loan application that we could approve? Because we’re not […]

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Private Loans: The Fix and Flip Strategy

September 26, 2017

A private money loan is one that is issued to a borrower in order to finance and repair a property that currently does not meet industry standards. When a property […]

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How to Qualify for a Private Money Loan

September 19, 2017

You already know that we, at CIVIC, fund “out-of-the-box” real estate that a traditional bank won’t touch. Instead of looking at the present condition and viability of a project we […]

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Equifax Data Breach – What It Means to You

September 12, 2017

Consumer groups, legislators and creditors everywhere are up in arms over perhaps the most serious security breach as it relates to consumer privacy. You’ve no doubt seen the headlines but […]

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Don’t Use Your Own Cash – Leverage Your Transaction

August 28, 2017

When investing in real estate, buyers have no shortage of options. Whether it’s a 150-unit apartment building or a duplex close to campus, the choices seemingly have no end. Further, […]

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How to Fund More Projects with CIVIC Capital

August 3, 2017

Everyone could use more business, right? Have you ever called a business to order something when they have said, “Sorry, but we have enough business right now”? No, of course […]

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Foreclosure Auctions: Fix and Flip

July 8, 2017

When a mortgage company is forced to foreclose on a property, it’s typically the action of last resort. Lenders won’t be lenders for very long if they establish loans and then later […]

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Private Lending vs. Conventional Lending: What is the Difference?

June 5, 2017

There are different types of mortgage lenders and even more so types of mortgage loan products. There are commercial lenders, construction lenders, residential lenders and more. There are notably two […]

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