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


Strive together, thrive together.

Start your application by following the simple steps below, and invest in your future now.

Civic Financial Services

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External documentation checklist

Within the loan application process, we will need external documents to be included.

Please gather the following:

  • 2 months bank statements
  • Photocopy of valid ID
  • Credit Card Authorization - Download Form
Loan Status