CIVIC is your local Kirkland private money lending partner that empowers its clients through excellent service. We are young, optimistic, energetic and changing the face of the hard money industry. We are backed by wall street and have the resources that support our commitment to work swiftly and tirelessly until your deal is done.
We simplify and streamline the private lending process through modern innovations, proactive communication, and hard work. At CIVIC you are not a number, you are a partner. Whether you’re an experienced investor or a first-time borrower, we are here to to help you break through traditional lending barriers to unleash ever-increasing success.
Make CIVIC your simple funding source for your Non-Owner Occupied lending needs.Learn More
Looking to purchase a multifamily property, CIVIC can help.Learn More
Make CIVIC your private funding source for your Non-Owner Occupied lending needs.Learn More
When standard loan products don’t meet your client’s needs, CIVIC can help.Learn More
Whenever you’re ready to invest in real estate, CIVIC is ready to help.Learn More
CIVIC Financial is a Kirkland private money lending company that lends its own capital to real estate investors looking to fix-n-flip real estate through 3 different but very streamlined hard money loan programs.
Whether you're a rookie investor or seasoned pro, our Kirkland private money lending experts are here to make sure you achieve your goals as a real estate investor. Through our 1 and 2 year hard money loan programs, we make sure you find the right loan for your project which is why it's so important to familiarize yourself with not only the real estate side of things but also your financing options through CIVIC Financial Kirkland.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Kirkland real estate investors quickly. Traditional banks generally have much more stringent guidelines and hoops to jump through which equates to a lengthy approval process which leaves investors hamstrung. Private money lenders like CIVIC have become critical to the real estate investment/fix-n-flip industry because we can deliver capitol quickly providing investors with a funding source they can rely on as they grow their business.
As a Kirkland private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Kirkland private money lending companies like CIVIC take risks that traditional banks simply won't take on. At the end of the day, if your fix-n-flip or multifamily financing project makes sense, our Kirkland private lending team will make sure you receive the capitol you need to finance the project, and quickly. So when you're ready to get a quick quote on your project, Click Here!
Could not have asked for a better experience. Thank you Civic. I’ll be more then happy to refer friends or colleague
Civic and staff were amazing to work with, they were there every step of the way
Absolutely tne best! Marco and Corey are top notch professionals, tney refinanced my house in 2 weeks! Closed on time, excellent communication, went above and beyond my expectations and I would highly recommend them and use them myself in the […]
Ryder Bryne is my contact at Civic Financial Services and he has been a delight to work with. He goes above and beyond to try and get everything processed to meet your closing date. I will definitely be reaching out […]
Smooth closing:) We were able to close on time and deliver great customer service. As a broker, I love working with Civic
Honest, efficient and personable. Those three things are often mutually exclusive. You may get two of these traits, but these professionals are all three of the major things I look for in a team. Doing business can be challenging, so […]
Very helpful in getting my investment LLC going
Great Work! Did what they said and were very honest. No hidden fees. Highly Recommended
Bijan was very informative and transparent from beginning to end. I have spoken to quite a few hard money lenders and felt most comfortable with Civic. This is largely due to Bijan and his ability to explain the entire loan […]
I was really appreciative of the follow up, attention to detail and consultation from the loan officer, Ryder Byrne. I especially liked the programs and speed of which the transaction was funded
Competent, get the job done
We have a great team together, Jack, Aly and Michael. We are working on more loans for our Team
Top service and results
Closed another one with Jackie at Civic!
Peter is personable and makes the experience smooth and seamless. It means a lot to our business to have this great relationship.
Brian FUNG and Kailyn Obenauer went above and beyond to make our loan closed smoothly without any hiccups. They were both in constant communication with us to let us know the status of our loan and to ensure everything would […]
Kevin is very professional and a pleasure to work with. Thank you
Everyone on the Civic team is super on it. They get It and my team appreciates their attention to every detail
Mr. Cohen provided me with superior prompt service and I look forward to working with this company again in the near future.
Wade la Rouche was the reason y’all got this rating
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
Extremely patient and knowledgeable.
Chris Lushina and Jack Helfrich have both been handling our business at an Exemplary Level, which is very much appreciated by all principals in our organization. We have been blessed over the years to have coordinate built a unique business […]
Great job! Another deal done
Completed refi seamless and communication was completed in a timely.
I had a FANTASTIC experience with Peter Kraemer with his patience, care and expertise in coaching me during my very first project. If he was unavailable when I reached out to him, it wasn’t long before I received his follow […]
Kendra & her team were amazing, Hi Leslie. First deal with Civic, smooth as a lake at 5:00 am! I’m looking forward to a long term relationship with CIvic.
Rance was very helpful throughout the whole process. Great service
Fast speed! Nate was extremely helpful
Great work. Talar was amazing
Outstanding service time and time again. Reliable, Honest and dependable place to do business. Great team, great people provide great service
Great products for investors
I can not tell you how appreciative I am of Jackie and Rebecca at Civic Financial. They closed my deal with in 2 weeks. Thank you ladies you are such a Blessing.
Smooth closing process.
Quick and to the point A+ Derek
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
Tony and his team made their loan process painless! This is my second time working with Tony and you can bet I will be coming back!
Ryan Snep was fantastic to work with. He was professional, helpful and knowledgeable. I would highly recommend Ryan and Civic Financial Services for all your hard money loan needs
I would recommend Civic Financial to everyone I know in the business BECAUSE of Matthew Marky. Matthew has a strong work ethic and goes above and beyond any Rep. I have worked with in the past 18 years in the […]
Excellent service all questions i have are answered and Joseph Castaneda and Gabriela Ramirez have great customer service
Justin, Aly, and Marisa are the most professional and efficient team I have worked with in this space. Their steadfast approach throughout the deal cycle provides a solutions based environment, even in the most stressful situations. Beast mode!!
Easy process and closing. Randi is amazing to work with.
My loan officer Natalie was very knowledgeable, responsive, & courteous. She kept me informed every step of the way. I will definitely recommend her to friends and family
Jack (my AE) is extremely responsive and gives the ultimate broker experience. I will continue to submit my files to Jack for first look ALWAYS because he gets in DONE!
Rance helped me throughout the whole refinance process. I was very stressed out at the time. He helped make it an easy and smooth transition. He was available to answer questions after business hours, was very professional, understanding, and worked […]
Cause Jackie & Becky Rock! Woot Woot!!
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
Full support and communication from Melissa, Michael and Paige
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!
Easy to work with and with a good attitude
Civic is Great!
Mathew Specht, Account Executive, is the Best in the business. As a Broker, I have closed loans with more than 300 different alternative mortgage lenders during the past 20 years. Matthew is the rare AE who not simply a ‘Yes […]
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
Awesome service. Very responsive. There was a delay on the seller’s side and Civic was on top of it and was ready to close immediately.
Great personal attention!Civic (and Randi) do what they say!!!
Good, quick, easy to work with
I had a supportive loan officer and staff through out the whole transaction
Easy process. Staff was great to work with
Rance was great throughout the process even with glitches that came up during last days of closing.
Civic is a great company to work with, they get things done quickly and my AE Tedd, is great at picking up the phone and answering all of my questions. Keep up the good work!!
Fast service. Knowledgeable staff. Great experience
The rep Melissa is Awesome!
Matt Rabinowitz was fantastic! Since this was my first time securing funding via Civic, I didn’t know what to expect. But, Matt was able to facilitate a cash-out refinance that took less than two weeks from application to having the […]
Civic has consistently delivered on their promise to support our business. We have done several deals with Civic now and they consistently deliver with excellence. Melissa Salinas and Michael Hoyt are high professionals, very knowledgeable and fast!
Delightfully easy process!
Because mark liker is the man. Communicates well and gets the job done
Because they are awesome! Closed our loan efficiently!
Bijan was very responsive and always available. He and his team stayed on top of my loan and made sure that the process was quick and as painless as possible
The process was fast and easy
5 stars: Excellent Loan company! Great rates, smooth closings etc. . . always a pleasure to do business with. I’ve been working with Whit as my loan processor for a little over a year now, he’s been nothing but professional. […]
Dawn Beauchamp is a rock star ! Great communication and quick response
The amount of time it took to expedite the closing. Along with the professionalism. Justin and his team made this a very easy process.
Quick response. Great rates.
I would recommend them to anyone
Very helpful, kind service
Will, Aly and Marisa are awesome to work with. Everytime I need funding formy projects, they always make it happen
Awesome Team! Kept me informed and they were very responsive. Look forward to working with you in the future and beyond
Great organization and attention to detail! Will continue piping deals to my guy Matt Comeaux!
Good rates. Mark Liker was very nice to work with
Got it done!Not always easy but we made it across the finish line! Clayton is a very hard worker and will go above and beyond.
Working with Steve, Corey, and Chelsea is great.
Working tirelessly to close a very difficult loan.
Chris and team were available for questions and did a great job explaining the process
good service and on time of closing escrow
Quick turnaround with an amazing service
Paul and the team at Civic were great. They were able to put everything together and close the loan right on time
They have been very professional in their services. Great job! Thanks
The most important part of any transaction, other than speed (and Civic is swift for sure), is communicating effectively to create accurate expectations from the point of beginning – Justin Cohen does this remarkably well and maintains a level of […]
Great customer service! Fast and efficient
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
They delivered on what they promised. No hidden promises. Very smooth transaction.
John was a big help
Because of the amazing team I work with.
Because I love my rep and processor!
Easy application process. Quick funding process. Audre Torgerson is an amazing Account Executive: Efficient, knowledgeable, and professional
My loan officer Audre been working really hard to help us, she gave us all the info & update! Thank you
Civic Financial Services was amazing to work with, and I can’t wait to do it again. Brian Fung is amazingly patient, and the experience will have me recommending to friends moving forward.
Martin Pacheco gave me the best customer service I have ever experienced. He knew my situation and was very transparent in how I could be help! A ton of value from Martin!!!!!
Eric Weidner is extremely responsive and knows his products. We cleared our loan with very little effort. the clients are happy so are we!
Great customer service
Justin, Ally and Marisa are all BEASTS!!
We had a wonderful experience. Customer did not qualify elsewhere. We transferred the loan to Civic and the process was fast and done right. Great experience for borrower as well.
It’salways a pleasureto work with Civic Financial !
I had a great experience with Civic!
Common sense and a very quick process
Civic and it’s dedicated staff, namely Justin, Chelsea and Heidi, inspire us to keep investing by making the process of leveraging our purchases systemically perfect with the help of their funding and communication
My broker Chris Rosas and the Civic team have great communication and efficiency
Ivan’s communication and response has been excellent.
Had the Programs and was easy to talk to to get things done
Mr Eli and his team offer excellent service and quick response times.
This is one of the smoothest closing I’ve even had. Thanks to John & the rest of the team.
John Paul is the best rep!
Because of working with Justin was friendly and swift,everything worked out fine so I am happy
Rance and team are amazing. They are knowledgeable, passionate and always available. This is my first time working with Civic Financial and what a wonderful experience I had, I would recommend this company to anyone. Thank you Rance and team […]
CIVIC has done it again! Outstandingly consistent awesome service across the board. Thank you for a job well- done!
Matt Rabinowitz was extremely proficient and straightforward. When an answer was not off the top of his head he was able to retrieve it with a quick response and accurate answer. Everything occurred as planned, no big surprises, the transaction […]
Jack, Aly, and Michael are awesome to work with. Constant communication throughout the entire process which is huge. There was never a time in the process when we didn’t know status of our file
Honest, fast and delivered every promise. Great communication.
Very professional team, Daniel is very responsive and closed quickly.
The efficiency in every single step, plus the friendly and professional representatives that guide us trough the entire process
The process was seamless, and every employee was super professional and efficient. Couldn’t be more pleased.
The Closing Department along with Peter did a herculean job making a challenging deal appear extremely easy
Overall experience was excellent. Loan officer was very knowledgeable about loan products and processing/underwriting procedures. Loan processor was efficient, effective and easy to work with.
Very efficient process and staff is very helpful
I had a great experience with Civic, excellent service
Very supportive and quick close. Arnold is great to work with
John is great to work with!
EXCELLENT SERVICE AND SUPORT
a pleasure working with civic and cristen Gonzales. as a hard money lender hes very knowledgeable and an important asset to my investment company. cant wait for our next transaction
First time and it was a very smooth transaction. Will find some more.
Working with George through the process great because he was available all the time
They were diligent and quick
Dave and his team are great
Other than giving CIVIC the rating, the 10 goes directly to my Account Executive Jason Mendonza. Since minute one of our conversation he took the time to listen and understand my situation, if it wasn’t for him and his willingness […]
Said he could fund it and Did! Can’t ask for anymore! Thanks
Peter was great to work with. Extremely communicative, quick to respond, friendly, knowledgeable, and ultimately offered great rates and helped us to secure a great fix and flip project in West LA!
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
It was a great experience working with Josh and Becky, they kept me updated on the progress and helped eliminate any surprises. The closing went very smoothly a job well done
Peter was dynamic and Civic offered products second to none in the industry. I’ll definitely continue sending my best clients
You guys rock as always!
The process from beginning to end was conducted in a very professional manner. The communication was always great and the team did an amazing job working together to get deal done. This was my 1st closing with Civic and I’m […]
As a Realtor I have closed 547 transactions in my 7 years and this company was quick and reliable. Contract go close in less than 7 days .
The process was fast and easy
Ben is exceptional, and makes the process feel seamless and efficiently quick. He is always there to assist if there are any questions, even when it may be something outside of his department
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Acct Rep was outstanding
Excellent communication, support, effort and cooperation!
Michael Hoyt was a pleasure to work with. Always stayed on point and made sure that we crossed our t’s and dotted our i’s to meet the deadlines needed to get my deal funded. Thank you Civic Financial Services for […]
Eddie Salem was a true professional, and was on target with his timeframes. Heidi Marshall also made it extremely easy to work with Civic and was on top of the file!Extremely satisfied with both Eddie and Heidi’s service
Matthew was extremely knowledgeable and made sure that everything went smoothly
Civic has open the doors for me to grow, with fair fees and crystal clear services
Want to express my gratitude for the job well done
Davis provided accurate and professional information/service and communicated with me throughout the entire process
Dara is awesome to work with. The process was quick and I was really impress. I would recommend working to everyone.
Eli is an an exceptional account executive. His communication and people’s management skillsare out of the world. His response to all of my requests is always prompt. He’s the reason I am dealing with Civic. Also his tolerance level is […]
Excellent service and turn-around time!
Peter K was extraordinary in the loan process. Thank you for all you did for us during our securing a great property
Randi communicates well and made the loan close on time
Thank you Marco and team for making the process so easy
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
Great communication, execution, and follow through
Quick close great communication.
4th transaction (this year) with the AMAZING team over at Civic and YES!!!!. . . . another quality experience with these professionals! Mid Civic rolling out a new loan product that I wanted to take advantage of, on top of […]
Melissa was a pleasure to work with. She was on it from day one, and helped me stay within our timeline. Michael was great as well
Marshall Jones and Monica Hawley were an absolute pleasure to work with. They are very knowledgeable, efficient and professional. With all these attributes, what stands out the most is their courteous and patient approach throughout the loan process. I will […]
Cristian was very knowledgeable. He went above and beyond his normal job duties to help get this loan closed super fast. Will definitely work with him again.
I sincerely believe that CFS is the premier lender in the space that it is in. In addition, I very much enjoy working with Eli Smush
Very easy to work with. Responsive and quick.
Very Positive experience!
LOVE working with Whit and Vanessa, they are the best! always on top of their game.
I am so pleased with Civic Financial Services. I have closed many loans with them and they have never failed my expectations. They are prompt with underwriting, approvals and closing. All my clients are very happy with Civic. Civic is […]
Jackelyn is one of the better Mortgage Consultants I’ve worked with in a long time. Calls/emails were always return with precise response. Under promised and over delivered. Her support team is amazing and a played a major role in my […]
I can’t give you guys a 10 because that would mean that you guys are perfect. But you were pretty dang close to perfect.
Civic’s terms were why we chose to do business. The experience is why I will continue to work with Civic. Great team effort
These guys know what they are doing. Very reasonable rates, professional services and quick closing.
Good customer service, timeframe
Justin did a great job all around. Got the mortgage done in a short amount of time and maintained great communication throughout the process
Excellent service. Deal number 24 . Gracias jack and team
Melissa is very professional. It was a very easy deal again.
They were very efficient and helpful in the whole process. We got everything pushed through and Michael did a fantastic job. Highly recommend them.
First loan experience with Civic, but not first experience with the account rep I worked with. 1:1 say-do ratio, and the right amount of communication – I heard from them when something was needed, but communication was concise and only […]
Good help me really good
Great Company TO WORK WITH!
Great team to help get through the process.
Great to work with Melissa and Michael, they go above and beyond to get things done Although Melissa was on vacation but she took the time to answer my call and that to me is a big deal. Civic is […]
Always the best service- thank you Civic! Keep it going!
Tough loan – good job getting it closed
Working with Chris and his team was a pleasure. They were dedicated to service to their clients and will walk you through the process to make sure you are comfortable and you get the necessary funds to complete your project. […]
Starting by Derek the loan officer and Monica his boss and the entire team. Easy process from A to Z as promised !
Very smooth transaction. Closed loan within 10 days.
Thanks Civic for the great work on my loan, fair fees , professionalism in every detail, and transparency, special thanks to Jennifer Moates , who worked with me all along,it’s the best, I’m definitely working with them on my next […]
Have closed three loans and each time every effort has been made to close the loan ASAP
They really do what they say. We needed to close in a short time. They said they were able to do it and they did it. It was a very seamless and stress free experience. Civic is by far the […]
Justin Cohen was my Loan Officer and from now on is my Loan Officer. He helped me to buy my first investment property. I am totally new at this. He was very patient with me from the beginning. He explained […]
It’s been a pleasure working with Anthony!I have already referred a friend who also closed a loan with Anthony. He is the man!!
Justin is extremely professional, kind and easy to work with
Closing was Easy and painless