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!
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
Thank you Marco and team for making the funding process so easy and fast! Lets close some more
Your entire team has been very helpful and accommodating through the entire process. It’s a breath of fresh air to actually reach out to some one and get the answers/ solutions I need
The process is easy, Civic seems committed to serve clients through the current pandemic and Mark Liker is extremely easy to work with
Excellent customer service!
Civic team were very professional & meet their committed dates
First time client, 10 day close, immediate funding after I signed – service was excellent!
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
CIVIC Team w/ Nate, Teresa, & Gabriela is always a great process. They continue to meet & exceed our expectations when it comes to funding our deals
Quick and seamless closing. Team is awesome!! Thank you
Worked through everything. Very helpful and informative
As in Independent sale office,the Civic Financial ‘Services” team gives us the tools, insight to overcome obstacles,education for a smooth underwriting process and eventually close and bring value to our clientsSpecifically, Jackelyn Gonzales and her team including Rebecca Potter and […]
Service. . Says it all. .
I’m not a large volume brokerage, but I get treated like one. Everyone is very responsive and turn times are quick. I wish I had more deals to send you guys!
Audre and Kathy were great to work with!
I was very impressed with Matthew’s professionalism from day one. I appreciated my reps patience and attention to details even more as the process continued
Great communication. On time and great follow up
We have the opportunity to be served by Davis Bennett who from the first conversation brought clarity to the experience. He asked the key questions to understand our individuality and our financial need, and explain clearly what to expect. Davis […]
Paul and the team at Civic were great. They were able to put everything together and close the loan right on time
Amazing communication and support!!! Thank you
Dependable patient attitudes, this was a complicated purchase, they marched on with everybody seeking the only option, success!!
So very knowledgeable, caring and so friendly
Matthew Specht, Account Executive, is the best in the business. He is one of the rare AEs who has thorough knowledge of his product and can aggressively move a loan application through the process
Great service! Easy to work with and they get the job done quickly
Excellent service and experience
Had unusual loan program, great processing, fast, reasonable underwriting process
Excellent service as always
We have an amazing loan rep there!
Team went out of the way to make deal work and process is very streamlined
Awesome team – great communication
Every thing they said they would do they did. When things became difficult they didn’t give up they pushed forward until the job was done and loans closed
Jack, Vanessa and David were a pleasure to work with as always. I can always count on them to close my deals on time. They are organized and professional. You won’t get anything but the best!
Very smooth transaction! Got my docs very quickly after all conditions were in and reviewed
Thanks to My Account Executive, Melissa Salinas and Account Manager, Michael Hoyt, it has been a delight to work with Civic and on this process for this file. Thank you guys!
I really appreciate your speed and efficiency.
Love these guys. They always do what they say and say what they do.
Randi was a pleasure to work with!!
My rep (Jackie) and processor (Rebecca) are fantastic!
Chris Lushina is always available, helpful and overall great to work with. He and the team outperformed the timeframes on the three most recent deals and I am looking forward to the next transaction
Great service, great team, we love it. Would love to become corresponding lender with you if you can make it happen. It be great if we can private label it which type of funding by you guys. Thx
Chris goes WELL above and beyond he call of duty!! Extremely creative, knowledgeable , and has a a lot of integrity!best of the best!
It’salways a pleasureto work with Civic Financial !
I had a great experience with Civic. Rance, who helped me through the process, was awesome. I will definitely work with Civic in the future!
Fast service, excellent team
Great working with John is always available and knows what he is talking about
I had a great experience closing my first deal with Civic. My account manager is fantastic. He has been nothing but responsive, professional, and easy to communicate with. We were able to close quickly and I am anticipating on doing […]
Great service as always
Brian Fung did a very good job, was in constant communications throughout the transaction, I enjoyed working with him.
very professional, prompt, seamless, and prompt closing
Great, productive and professional
Efficient, responsive, and overall great experience!
Rance has been wonderful. He’s very responsive and has a quick turn around on things!
Action fast and professional!
The cordial staff, and the quick responses made our deal happen fast. Thanks!
Good, quick, easy to work with
From the moment I made an inquiry call and got a return call from James Hatcher within minutes I received nothing but excellent service. There was a fast pace the whole time and from start to finish it was over […]
From the very first contact via Blake Burrett, I was told exactly what could occur with my loan and a few weeks later, I had total a solution to my refinance.
Quick, easy, professional, knowledgeable, and willing to help problem solve
Jack, Heidi and Jose Thank you for the excellent job . Gracias to Help my clients Civic Financial Services are my number one lender; more than 18 loans
Joe was great! Pretty easy process. Will do business again. Thank you
Exceptional professionalism, attention to detail, and expediency!
Thank you . Jack . Very professional.
My account management team is really awesome. Always willing to help and respond quickly which is vital in the real estate realm where you need responses quickly or you have the potential to lose out on a deal
We love us some Civic!
Tedd is the best, no matter what day of the week or hour he was always answering and replying to me, he was just great, thanks to all the team as well
Everyone on the Civic team is super on it. They get It and my team appreciates their attention to every detail
Another speedy closing.
Quick, easy loan
I appreciate the fact that you believed in me and my dream, you gave me a chance when others did not. I will be doing more business with civic going forward that’s a guarantee!!
Great service throughout the transaction. Fast and efficient with great communication.
Justin, Ally and Marisa are all BEASTS!!
My account executive Mariam was extremely professional, incredibly responsive, and just an overall pleasure to work with. The one or two times that she may have not been 100% certain of something I could count on her to find out […]
The Civic team did a great job in getting this file closed. Great communication. Great speed. Great service. Great experience. Thank you all!
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
Best lenders in the lending market
Brian Long took care of our application, it was refreshing where Brian was nudging us a long the way even though with other lenders it was the other way around. Highly recommend Civic Financial Services
Randi gave great service very courtesy.
Easy to use, smart lenders, quick and clear communicators. Everything you could ask for in a lender!
Extremely responsive team! Knowledgeable and supportive
Great customer service and closing process
Kevin and his team were great and easy to work with again!
Kevin was fantastic again as well as all of the executive to make this deal happen. Thank you
I love the team that I have in Civic. they are very helpful and very responsive
Once you set up the file clear conditions. Fast easy efficient closing. Will use them again. Thanks you Josh.
Always the best service- thank you Civic! Keep it going!
Amazing Service, Fast and Furious
We had a great experience and Wade helped get everything together. He went above and beyond to walk us through the process and get it done. Very satisfied
Good manager / employees
The folks at Civic Financial are amazing. We had two loan applications that were processed by them surprisingly fast, and the entire process was seamless and professional. We then applied for a third loan, and are already approved in a […]
Very responsive, professional, and knowledgeable. Went the extra mile for us. Would highly recommend in the future
Great Service as always
They were quick and efficient!
The Process was fast!
Ivan Oberon and the team supporting him have been very responsive and professional, thank you!
Civic and staff were amazing to work with, they were there every step of the way
Seamless and organized loan process
Working with Steve, Corey, and Chelsea is great.
Jennifer was amazing! She worked her tail off helping me get this ball rolling. Learned so much from her, great insight.
Quick, friendly service, Anthony is always there to help with any situations that arise to help get the loan closed.
Everything went really smoothly
Todd’s team was great to work with, always a quick response to any issues, and I really appreciate their “can do” attitude. Truly a pleasure to work with!
Very prompt and efficient process!
The process was simple and fast! Loved working with CIVIC!
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
Dave and his team are great
The loan officers were very helpful in guiding me through the process. It was quick and easy to close. Look forward to doing future business with Civic
The loan terms are great. The loan Agent was knowledgeable and made it is to understand my requirements and suggest an appropriate loan. He was always available to resolve issues and my questions.
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 […]
great AE and processor. It was my first closing with CIVIC, Tony was there every step of the process; from A to Z. Processor was experience and friendly. I would highly recommended CIVIC to any investors or brokers. Great job […]
Chris was a pleasure to work with. He got the job done quickly and efficiently
Worked out great and Audre gets it done
Quick service, great communication, easy process.
Great service and customer service
I would like to commend Kevin Victoria and the rest of the staff for all their help and support in making this transaction possible. Best Regards!!!
Civic really helped us on securing our first deal. They were very patient with us and help us till the end. Everything went well, from the point to the interest that they charged us. I will definitely use them again […]
Very smooth transaction. Closed loan within 10 days.
Always good fast with great communications. Quick closings, great service
The team was a pleasure to work with. As a broker / correspond lending business, they gave me direct information and feedback on what was needed to complete the transaction. Along with being courteous and knowledgeable, the response time was […]
Quick close. . . good job Brian Lee
We love the fast service and friendliness of the whole team at Civic. Marco, our account exec is always on top of everything. We highly recommend doing business with Civic.
Performance and attractive pricing!
Easy process and closing. Randi is amazing to work with.
Marco and his team are so great to work with! Make the loan process easy and quick
The variety of programs. The consistency in underwriting. And the speed and accuracy that you start and close the loans. Lastly, my representative Marshall Jones is prompt, accurate, and thorough
Eli is amazing. Great communication
I enjoyed working with the entire team.
Will, Aly, Marisa and the rest of the team at Civic are absolutely amazing. They are by far the most efficient lenders I have worked with. Thank you for all your help. I look forward to doing A LOT more […]
We worked with Ryan Snep and he was fantastic. He helped our business get the exact loan we needed and was helpful throughout the process. I would highly recommend Civic and Ryan Snep!
Very responsive & helpful
Great lender, easy to work with and fund fast!
The funding team of Daniel, Jose, and Maurissa got it done.
Civic is Great!
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
very professional and easy to work with
Kendra Rommel was my point of contact at Civic and she was awesome! She responds quickly, was full of information, and held my hand through the loan process. Thank you Kendra and Civic!!!
Tough loan – good job getting it closed
The team over at Civic really go above and beyond to help our clients! With all the changes we go through day to day, their continuous innovations are just what our markets need! Without Civic there would be a large […]
Good and fast service!
Todd, our rep, kicks ass!
Chelsea Menese is by far the best processor, loan coordinator I have ever worked with. This file along with the 4 previous files were very easy as a result of HER amazing talents. Chris Lushina has also gone out of […]
Great process and reps, The best private lender in the market
Steve was awesome! Thanks so much!
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
Talar was amazing and was always there with updates.
Very easy to work with, I tried a few other Mortgage Companies and Civic was by far the best to work with.
Great hard money lender
Great communication, follow up and the ability to work through issues quickly and prioritize my goals first
Great company to work with. Highly, highly, highly recommend Jack Lupo and his team
Peter, my Rep, is Par Excellent. Peter literally worked multiple weekends to ensure our deals funded as promised.
Mariam Jasemi is hands down the best AE in the industry
Extremely organized and effective. You keep promises!
Received great customer service from all parties involved
Beyond my expectations- they was great customer service, quick turnarounds and lowest rate than any other hard cash lenders i used. Highly recommended to anyone
The speed /quickness is important
Very good communication and speed from package submission to funding! Great Job!
Very efficient and professional service
We have a great team together, Jack, Aly and Michael. We are working on more loans for our Team
I have had the pleasure of completing two transactions with Civic in the past 4 months. From start to finish, and beyond, they have proven to be true professionals at what they do. Civic was on top of my needs […]
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
Excellent pricing structures and low fees
Michael Marazoni gave us good service and a lot information that helped us to understand the Civic services
Jeremy was the main reason for me to reccomend your products. He was on top of every situation that came up during our funding process. Communication is a very important part of business and Jeremy’s communication with me thru this […]
Best result are always coupled with HI CALIBER reps like Chris Lushina. His experience , knowledge of loan products coupled with hiscommunication skills to trouble shoot issues that may be slowingup approvals and closings have been simply AMAZING. In each […]
Superb handling of the case
Justin is very responsive and pleasant to talk with
Excellent service , great lending company . Thanks for everyone’s hard work and efforts . I will refer all my friends and family to Civic
Zac Miller was absolutely great! Extremely professional, honest, reliable, attentive, and knowledgeable of all Civic products and guidelines. We had a very pleasant experience with the way our first loan was handled at Civic and how smooth the process was. […]
The representative, Jack Robinson was great to work with. As needed he was very present in the process and could get answers and not excuses. I have been in finance and accounting since 1977 and he is a good representative […]
Marshall and his team were very good at explaining the process and helping me to move forward with the transaction. I am much more comfortable now with the borrowing process and will definitely use them again.
The entire team was great. Made it really easy and they were on top of everything. I previously had a bad experience with Tidal loans, I was happy to find out not all lenders are terrible
Efficiency and thorough knowledge of my needs
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 […]
John is great to work with!
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
Rance was amazing. . . I had a difficult project and he went out of his way to get the refinance completed!His hard work will end up saving me a lot of money!
Trevor Niemann is great and I like how he makes sure all T’s are crossed and I’s are dotted
Everyone was great and helpful with a difficult borrower. Alan was exceptionally helpful. Great company with an excellent team
You guys provide great service. We really appreciate the easy communication throughout the loan process.
The process with Civic Financial was great from start to finished and we close in days!
Excellent service and turn-around time!
You Guys Rock – and fill a nice niche
I found that Christian was Awesome in answering questions and handling the problems that kept coming up with the title company
Matt was a pleasure to work with, very professional and helpful throughout the entire loan process. Matt was also accessible and would answer calls and emails with any questions or concerns I had. I would recommend Matt and CIVIC in […]
Fantastic follow up. Good rates. Strong customer service
My rep Peter was the best
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
Civic brings efficiency to deals that always impresses me
Chris was amazing. .
Kendra Thank you for your help with my first investment property. I appreciate you and your team!
Josh at Civic Financial Services helped me through the process on obtaining a loan to fund an investment property. Josh was such a professional and easy to work with. He made every step of the way simple.
Audre torgeson helped me a lot!
I thought that Michael Piasecki was very easy to work with and the transaction closed right on time
Great service as always. Great team work
Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!
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 […]
Bijan and the team handled the loan superbly. Ran into a small snag, but working together we were able to make it happen and close on time. Things happen in this industry and It’s nice knowing the ppl you are […]
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
From beginning to the end of the loan civic and their loan team were awesome! They were quick, efficient and very easy to work with and communicated daily, I would highly recommend them
Always a pleasure to work with Kevin. He is very professional, kind and on top of his files. Thank you!