Request a Quote

  • Personal Information
  • what kind of lending solution are you looking for?
  • Tell us about the property you are financing

Every opportunity comes with an expiration date. So when you’re ready to invest, we’re ready to help.

Traditional loan products are not flexible enough to meet your needs. That is why Civic Financial Services provides investors with quick access to non-conforming mortgage products for Non-Owner Occupied Residential properties whether you want to:

  • Fix & Flip
  • Buy & Hold
  • Rate & Term
  • Cash Out & Refinance
  • Bridge Financing

Program Guidelines

  • No minimum FICO requirements
  • Stated income/bank statements only
  • Loans up to 75% LTV
  • Loan amounts $100,000 up to $5,000,000
  • Lending to LLC’s, Trusts and Individual Borrowers
  • Reserve requirement: Borrower to have 4 months interest payment reserves, down payment, closing costs, rehab funds
  • Foreign national program
  • We finance single family residences, condos, 1-4 units, and apartment buildings

Rates & Terms Documentation

Fast Approvals. Competitive Rates. Quick Closings.

How can we do that? Civic is a direct lender with local control from start to finish. We underwrite our own files and provide our own appraisals which makes our loan process transparent and fast, closing deals in as little as 4-10 days.