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!
Audre and Kathy were great to work with!
It was a pleasure working with Matt and the rest of the Civic team. They were able to assist us in closing a deal in a short period of time. My team and I look forward to working with them […]
Civic’s terms were why we chose to do business. The experience is why I will continue to work with Civic. Great team effort
It’salways a pleasureto work with Civic Financial !
First Impression was-wonderful. It’s my first time with Civic Financial Services and Cristian. Cristian was very professional, helpful and prompt. The process was smooth and he was always keeping me inform 24hours! I hope more business to come with Civic […]
Steven Fisher and Corey Fueston are the reason loans get funded. Trained professionals who know how to close loans and always beat the competition. You know when you work with the right Lender when other huge companies are laying off […]
Worked through everything. Very helpful and informative
Great Job! Thank you for all your help!
Civic came through and was able to move quickly. Eli was excellent throughout the whole process. He is the sole reason for this 5-star review and I would recommend him to anyone.
Excellent communication, support, effort and cooperation!
A big thank you to Arnold Podrebarac and Jenna Alvallero for making this loan happen! Thank you so much. You handled it like a champ!
I took out my first rehab loan with Patrick at CIVIC. The process was much simpler and faster than I had anticipated and it was one of the easiest mortgage transactions I had experienced. I look forward to working with […]
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.
Anthony has been a pleasure to work with
Jackie Gonzalez is amazing, she works side to side to help you close on time. Great customer service and she cares. . . I am bless tohave her as our account executive. Thank you.
Great customer service
Civic funded 2 of my projects. They were professional and on top of getting everything done in a timely manner. Randi was amazing and kept me informed along the way. I plan on using them again.
Whit McCarthy and Vanessa Lopez are the gold standard in executing fix-and-flip loans. I have used Civic numerous times to close loans and I will continue to do so because this is an amazingly skilled team
Cristian was extremely helpful. My processor was very new to the private money fix n flip process, and thus: essentially worthless. If Cristian was not as hands as he was, the loan would not closed as fast as it did. […]
Excellent service always on time . A pleasure working with Anthony
Although my particular loan situation was by far considered “normal”, CIVIC was able to approve my loan and fund. Eli kept me informed at each step and was always available to assist. Eli was very professional and educated in each […]
Arnold is great -communication is great. I am happy with the speed and rates
Another smooth transaction. Clayton and Civic have been great to work with. Speed and flexibility. Exactly what we need.
Easy to work with, happy to educate on the process and genuinely interested in helping us succeed, Paul McGann and the CIVIC team offered a refreshingly positive experience in financing our purchase
Very quick and efficient
My team and I had had a great experience, The loan closed promptly and went thru just as promised and expected. Matt and his team kept us in the loop the entire process and we never felt left in the […]
Thank you Marco and team for making the funding process so easy and fast! Lets close some more
My AE Melissa Salinas and AM Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
I found the Civic team to be thorough, fast and highly professional. You couldn’t ask for a better group of people to guide you through the lending process
Great customer service
Dan and his team was impressive! Orig to close in 5 days! Great communication and answered my calls every time! Great experience!!
Nick was great and very helpful. Communication was excellent and he was on top of the process every step of the way.
Very responsive & helpful
Steve was awesome! Thanks so much!
These guys know what they are doing. Very reasonable rates, professional services and quick closing.
They come true when you need it. It is a pleasure to work with Jackelyn and her team. Thank you.
Peter Kraemer was great to work with. Highly recommend
Previously worked with the Account executive in the past and was excited to know that she was going to be employed with Civic. She always strives to go over and beyond to help others
I can’t tell you how happy I am to work with Civic. My previous broker took over 2 months to close a simple deal. Civic closed this in a week and a half. I will absolutely use them in for […]
Great service, timely respnses
From the moment I inquired about their loan products and up to the closing of my first brokered loan, Jack and Vanessa have been very helpful. I was impressed with the service and will recommend them to my colleagues for […]
Fast approved, available all the time day and night.
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Civic Financial through Kendra Rommel and her assistant Leslie Grant, worked fast and were always on top of things. They made sure to keep us updated on whatever step was next. They delivered on what they promised and we got […]
Awesome work with Jack Lupo and his team.
Responsive and timely. Common sense requests and requirements, and available when needed!
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Dear CIVIC team, Your team worked hard and efficiently to make the deal go through. Eric Weidner was excellent in communication, help and support. He was in every step of the loan process, provided lots of support and guidance, made […]
I have worked with Melissa on Closing a few properties now. She is great and always on top of everything needed from title and is very professional to work with!
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
This was my first experience with private lending and I’m extremely pleased with how everything went. My account exec, Walter Brown, was fantastic and I will definitely use him again should the need arise
Jacquelyn is awesome!!!
Was told yes when others said no. He did what he said he would do. Was great to work with. I’m going to use him on all my loans
The confidence and professionalism of the company and especially my Account Executive Mr. Matt Marky is exceptional, like no other I have worked with in the business over the last 20 years
The team is very Professional, responsive and and handles transactions with sense of urgency
Great communication. Arnold is Awesome
AMAZING SERVICE AND HIGH INTEGRITY! NO “BAIT AND SWITCH” TACTICS THAT I HAVE EXPERIENCED FROM OTHER LENDERS. THANK YOU!!! I WILL RECOMMEND YOU TO ALL MY CLIENTS AND ASSOCIATES
First time client, 10 day close, immediate funding after I signed – service was excellent!
I received excellent service and a speedy closing hassle free
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
Kevin was fantastic again as well as all of the executive to make this deal happen. Thank you
Everyone was great. My questions were being answered.
Mike J is always on top of things, even on the weekends. Really appreciate how he makes me feel like I’m a VIP.
Daniel is awesome to work with. He is very professional, and we enjoyed working with him. We hope to work with him for many more deals in the near future.
I highly recommend Civic!
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 […]
Kendra is great to work with! She knows what she’s doing, is a problem solver, replies quick replies, and is trustworthy. I definitely recommend reaching out to her
Blake and Jeremy did a fantastic job in getting our loans closed in rapid fashion
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
Rance provided an excellent service throughout the whole process and has been instrumental in closing our loan. We appreciate his help and will definitely come back!
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
Awesome team to work with!
All roads lead to Civic Financial when looking for a lender who will loan over 75% for Hard Money. Unlike the typical private lenders who want higher interest rates and points and will only go 65% based on an appraisal […]
Full support and communication from Melissa, Michael and Paige
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
Civic was fast and delivered on the type of loan my clients needed.
Very easy transaction, terms quoted in the beginning were the same terms at closing. Very pleased with the service I received from George Jones. Very professional, experienced and excellent communication
Chris and his team makes the funding process so easy
Working with Civic is great. My AE Justin Segal and his team are awesome. They push and get stuff done fast. They reply within minutes to every email / text or call. Their construction loan programs are awesome. I recommend […]
Mariam goes above and beyond. She made the experience of closing a loan with Civic very easy. Just having her as my AE I feel very confident that I can close more loans with Civic
James was always on Top of my Closings and easy to Contact
Great experience with Eli Marcus
Always good service.
Our account executive, Jack, kept in contact with us through all aspects of the lending process at all hours of the day and went above and beyond to help us understand and navigate the process and to be prepared for […]
Civic is Great!
Jason Mendoza was very responsive and great at following up and making things went as smoothly as possible.
Jackie Gonzalez was incredible. Patrick Morgan put us in touch with her immediately the day we reached out and we closed just weeks after. Jackie was on the ball, kept us updated, was super knowledgeable and worked with us the […]
My experience was primarily with Kevin Victoria, and he was fantastic. The deal got a bit hairy, and Kevin was constantly on top of it. I don’t believe it would have closed, if we worked with almost anyone else. Overall […]
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
Bijan went above and beyond to help me get my first deal closed. He was always available to answer questions and walk me through the process. I tell everyone that Bijan is a great guy and they won’t regret calling […]
Super efficient. Great teamwork.
Always a pleasure to work with Civic. Vanessa and Whit have always made sure to go the extra mile to both tailoring loans and understanding of borrower’s situations in addition to completing and clearing loans quickly and accurately. Would recommend […]
Excellent service and quick response to questions
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
Civic has a great process and are fair
Great service and rates
I love working with Jackie and Civic, they have great loan programs and the support from Jackie is outstanding. I enjoy working with you and the team. Thank you Richard
Second time customer, excellent service and loan teams!
Great Service, Fast closing. . . Can’t ask for anything else. Thank you for all your help!
Speedy and friendly underwriting.
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
Great deal . Amazing job
Funding- Quick Closing
Prompt and friendly service
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
Excellent service good communication
Will and his team are incredible! They make the process easy and go the extra mile to ensure everything is taken care of
Michael P gave Great service and has great personality with the job
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
Fast fundings 🙂
Great service and products
Awesome lender, fast, and well priced rates
Great prices in comparison to other home renovation loans. The more loans you close with them the faster they get. Good team. Dave Rooker is awesome!
Nick was very informative, prompt to respond and helped walk me step by step through the entire process. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier.
After talking with multiple lenders for my Real estate business, I came across Civic Financial Services. I built a good working relationship with Brian Fung. He is a Rock Star! He was always there when I called no what day […]
Great Company TO WORK WITH!
Always the best! Civic nailed it again!
Randi, is awesome! She makes herself available by phone, text, or email which makes it very easy to get in touch with her when needed. She answers questions clearly and concisely and she stays on top of her loans. She […]
Always a good experience.
Arnold is a true professional that I would not hesitate to recommend him.
Had the Programs and was easy to talk to to get things done
My rep Jennifer was amazing with walking me through my first loan with Civic
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
Michael, Monica H, and Monica… the 3 of them makes a great team…
Ivan Oberon was great and make the process quick and easy
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 […]
Great customer service.
Cristian Gonzales was a pleasure to work with. He was always very detailed and on top of my loan he would ALWAYS answer my calls and all the questions I had. Process was super fast and just couldn’t be happier. […]
I am dealing with a un-believably talented team, they work hard and they are dedicated to their cause of helping investors.
Very fast response time
I really enjoyed the experience with Civic due to the customer service of KB. He helped to make this experience seem less and was very patient with my questions.
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 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.
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!!
Our experience with Marshall Jones was excellent. This is our 2nd transaction with him and both experiences were outstanding. He is a great communicator that is familiar with your programs and walks us through the process along the way. Marshall […]
Our broker partner is always there to help and takes time to explain. His underwriter team in California are ALWAYS a tremendous help to making sure we have everything on file and amazing communication.
The Civic Process has been so much better, and love my AE rep, the best I ever had. Love working Civic and their staff
The experience was great, from beginning to end!
Thanks for the promptness of Rance Brown got my refinance cash out on investment property. The whole process went easy and quickly . Application to closing was much quicker than I anticipated. I am more than satisfied with my experience […]
Brian Fung did a very good job, was in constant communications throughout the transaction, I enjoyed working with him.
Great fast service
They closed in a short period of time, and my account rep was always available to me for questions and updates. He was on top of the whole process
Great, Friendly Service
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!
Fast and easy to work with
Excellent service and very responsive.
Rance was great throughout the process even with glitches that came up during last days of closing.
Fast closing terms I can work with.
Great customer service
The process was very smooth and their product is unbeatable!
Rock team of ladies!
It was a smooth process from start to finish and everyone was very helpful and knowledgeable.
Excellent service and quick respond to questions
Marshall is so easy to work with and strives to get us the best rates he can, while balancing the needs of his team too. He handles others stress well and has a grounded nature that makes the whole experience […]
My AE Jacquelyn and her team moved quickly and diligently to deliver a great product for my client. Every transaction has hiccups, however because they proactively communicated underwriting status and requirements, the entire process was stress free.
Jackie and Rebecca are an amazing team that go far beyond the minimum required to get deals close. They understand HOW to structure and get the job done
This was not our first rehab, but it was our first time working with a hard money lender. We chose CIVIC due to their excellent rate and rehab loan program and the comfort that we felt with our account executive […]
8th loan in 12 months done in a record 11 days. Our guy Brian came through for us, we wish him many coloring sessions for the grey hairs we give him. NOT! just two minuscule conditions from Kailyn and ZERO […]
Great company. This is our 3rd transaction with them. Jim and the team was supportive thru the whole process.
Second time using CIVIC for me. Great team to work with and seamless financing.
Great lender, easy to work with and fund fast!
Wade is excellent!!! He willing to help and tomotivate!!!! He is a true blessing and asset to your company. Because of his positive WORDS it builds confidence!!! After talking on the phone with WADE HE ALWAYS LEAVE OFF WITH “YOU […]
It’s a pleasure to work along with Jo at Civic. She and her team are always very helpful. Thank you for everything!
Working with George through the process great because he was available all the time
I would recommendCivic Financial to anyone
Once the file gets to loan docs and back to funding, loan funds right away. .
Super responsive, really accurate on the scenario quote reflected- stayed consistent from beginning to end, Matt is super proactive and is very clear on explanation and requests so there are no contradictions. great to work with and will always find […]
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
Overall a good experience. Lots of hard work by Bijan to make this all possible. Great Job!!
This is my 2nd business deal with Civic and I’m completely satisfied with their help. Chris Rosas was my main contact throughout and we spoke regularly and reviewed every aspect of the progress consistently. My initial deal involved David Levine […]
Very reasonable rate, closing the loan quick and I got the amount I wanted. I also got the Home Depot Rapid Pass app
Jack Lupo is the GREATEST!!!He is alway helpful and knows how to work with our customers. THANKS JACK
The process was smooth and expedient. . Thank you, Melissa Salina and Michael Hoyt for your help and diligence
Civic never fails to deliver – we needed a 2nd mortgage to cover a gap and close a deal and Justin Cohen made it happen for us!
Civic is consistent with their high level of service. They always come through for me and I look forward to continued business. Big thanks to Melissa who is the best Account Executive anybody could ask for!
Simply the BEST! Friendly, prompt and helpful
Reputation, Rates, and Service
Matt is the best
Matt Marky was extremely responsive during the loan process and was very engaged and on top of things. Everyone was very professional and acted similarly even in stressful moments during the process. Very happy overall
Marco, thank you for the closing gifts and most importantly your close attention to detail. Most importantly closings in a timely manner! Great job! We’ve had 3 account executives with Civic and I think we only closed one deal with […]
Paul McGann was fantastic throughout the loan process. He always did what was needed to insure the loan was complete on time and as promised.
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
AE Kevin Victoria is very helpful to work with
Civic was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
Matt from beginning to the end of the refi process did a great job!Will definitely continue to do business with Civic Financial!
Working with Rance was the best experience we have ever had in any of the lenders we have worked with in years. . . He was very professional and communicative (giving us day to day understanding of the process and […]
Personable service, quick responses and accurate information.
Excellent Service for our loan
Eli Marcus is amazing
Held my hand through the whole process
Everyone at CIVIC works hard to ensure a hassle free process every time!! Brian Fung has been exceptional in each and every transaction and so has David Levine.
Works well with buyers
It was a pleasure working with Rance, Rebecca and Jeremy. I hope I can work with them in the future. I have already told a few clients
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!!
The process of closing the loan with civic Financial was handled was superior performanceFrom the agent to the closing department I was very satisfied with the Performance. I will be referring more business to your firm through my Agent
We have a great team together, Jack, Aly and Michael. We are working on more loans for our Team
Everyone was so friendly and helpful and worked to meet my dead line.
So many great things about CIVIC
Jackie and Rebecca do a great job on my deals. The honor the pricing and have excellent customer service. They are always responsive with all methods of communication
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!!!!!