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!
Convenient, quick, and easy!
Civic was very good to work with. Recommend them to all looking for investment needs.
I most appreciated the responsiveness.
I was working with Justin and he is amazing. Very professional.
John is always helpful and Im glad we got this loan done
Simple , easy , quick loan
Civic brings efficiency to deals that always impresses me
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 […]
Peter was very helpful, very nice, and also accessible
This is the third time we work with Brian and Kailyn from Civic. And they are the best people you can ask for work with from a lender! They make everything so easy so fast and so smooth. Zero headache […]
You guys rock as always!
Exceptional level of service
The experience I had with CIVIC was much more pleasant than Patch of Land, they are able to close on time and does not deviate from the terms that they quote
Rance made the process extremely easy and the communication was open the whole way. Funding was timely and rates very competitive
Truly hard working and positive team with full intentions to close loans.
As a first time home buyer, I feel fortunate to have chosen to work with Civic Financial Services. They were extremely easy to work with, prompt in relaying information and returning emails and phone calls, and were extremely friendly
You’re personnel and programs get the job done without a lot of hassle and underwriting multiple conditions
A great team to work with. They get it done
Chris Rosas, at Civic Financial Services, is truly remarkable, He is honest, caring, and firm on his convictions. He goes the extra step to help you out with the whole process. So, that you can achieve your goal. I highly […]
Working with Ryder was great, he is attentive and very helpful!
This was now our second deal with Jack Lupo and both have closed without issues. We look forward to continuing to bring a block of our business to Civic in the near future.
Clear communication & direct response is hard to come by nowadays. We HIGHLY appreciate the work with Nate, Teresa & Gabriela
Good help me really good
Great communication and availability
Eli and his team were great to work with
Quick close and an easy process
Great communication. On time and great follow up
Great people to work with
Justin, Marissa and the whole team have been great to work with. Thank you
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!!
Civic provides superb service and turnaround time, loan officer and supporting staff are knowledgeable and flexible. Great company!!!
Great employees and product!
Mike J is top notch.
Great financing company!
My first submission with Kevin and I am very pleased. Kevin’s communication, follow through and politeness, truly represent Civic Financial Group. Thank you for the professional and above standard experience
Speed in the loan process from start to finish. Excellent rep support; Processing, UW and Closers are great to work with
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
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
My Rep Peter Kramer was absolutely Amazing!
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
Fast loan decisions, good communication, very good to work with, and professional
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
Civic moved quickly and was very responsive to meeting my needs
Excellent follow up and teamwork to get the loan closed
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!!
Great service all the way through
Audre made us feel assured we were going with the right loan for our situation. I’m very pleased with her performance and professionalism. You should be proud to have her on your team.
Rance is very helpful and gives us the funding on time
The Closing Department along with Peter did a herculean job making a challenging deal appear extremely easy
Eli was amazing to work with. Great communication, look forward to closing more files
These guys are the best hassle free and fast
Very professional company and they work hard to satisfy the customer and get the loan funded
Everything went really smoothly
Excellent communication throughout entire process. Very efficient
Because of the amazing team I work with.
This is the second deal with Civic and, like the first, was very easy transaction
Having a lead person such as Justin that makes himself available at all times is a testament to great service. I am so happy with how well Civic carefully selected Justin’s team (Chelsea and Heidi) to support me and my […]
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 […]
Matt is always the best to work with
CIVIC has done it again! Outstandingly consistent awesome service across the board. Thank you for a job well- done!
Great customer service with my loan rep Galo
Justin was very professional, always responded in a timely manner and provided clear and concise details about the loan process
Have closed three loans and each time every effort has been made to close the loan ASAP
I was skeptical, but everything went really smoothly. Great communication. Closed very quickly.
Knowledgeable, experienced, pleasant, productive
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
Great job Jack! Thank you!
My rep Peter was the best
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 […]
Talar is an amazing loan officer!
It’s only been 10 months and we’ve had 5 loans with Civic. Last week we were holding 3 properties with the lender and our team at Civic (Brian, Kailyn and Mike) have held our deals through to the last inch […]
Great follow up and flexibility!
Chris is the best!!!!!!!
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
Communication and timeframes were gave and met. You don’t usually get both. Great working with your company
This Loan process was fast, efficient, and very well communicated
Fast response, quick close
Kevin is very professional and a pleasure to work with. Thank you
Good follow up! and good follow through
The team works together to get the loan done!!
Fantastic customer service from Natalia Benshaw, Todd Kaplan and Aly Howard!
Quick response from account manager and responsive processing team which lead to a fairly quick close
I am leaving this rating because of Justin, Ally, and Becky. They make an extremely efficient team and Im glad to have them on my side
Excellent customer service
Working with your reps George and Jo Jones makes this process to easy. Meeting them has saved me and my clients a lot of money to later invest :Thank you guys for everything you do
Everyone was so friendly and helpful and worked to meet my dead line.
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.
Michael was amazing, he was there for me every step of the way. He was always available to answer the phone including nights and weekends. Civic does things the right way. Seriously the best
I had the pleasure of working with Cameron (again) and I hope to again. Cameron, and team at Civic, make my business easier and are on the ball, straightforward, and quick. I would refer Civic, and Cameron specifically, to anyone […]
Working with Justin has been a wonderful experience. He’s very professional and mindful of communicating effectively with timely reports on the process. I recommend all borrowers to use him as their Loan agent.
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.
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!!!
Will is definitely someone I will be happy to make business with
Great service quick close rates very competitive-great communication
Best company I’ve ever worked with.
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 […]
Civic has some of the better investment property products within the financial services industry. The entire staff work very hard to provide great customer service.
I’m very pleased with the professionalism and timely way the loan was structured and handled. Jacqueline and her team were excellent. Thank you for making it happen
Joe Zaniboni and the Civic team have been extremely helpful and quick! They make the process painless and easy. Highly recommend!
Very easy to work with, tried a few other Mortgage Companies and Civic was by far the best to work with
Randi is great to work with. CIVIC has a very good program.
Fast fundings 🙂
I feel they work hard to make sure they are meeting our needs
The CIVIC team was great
Everyone always stays on top of the deal & being as transparent as possible. Always letting all parties know where we stand for closing.
Fast friendly knowledgeable…
Ivan Oberon is great to work with
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 .
Wonderful service and competitive rates
Civic and Tedd Gerstenfeld really came through for our borrower. Even over a holiday weekend which was a bit challenging, they got the loan closed. Our borrower is thrilled.
Good loan coordinator. Easy transaction
Personalized loan products, clear and controllable application process, and quick loan close. The local account service is also first-rate.
Pleasure working with them!
Will, Aly and Marisa are awesome to work with. Everytime I need funding formy projects, they always make it happen
Great deal . Amazing job
Great service throughout the transaction. Fast and efficient with great communication.
Great communication, Quick close
Will, Aly, Marisa and the rest of team did an outstanding job again as always! Another smooth transaction.
Davis provided accurate and professional information/service and communicated with me throughout the entire process
Superior andfast service
Service was beyond perfect Mark, Corey and Monica are a great team!
Savannah is always working and is very diligent with getting back responses. Love working with her!
Great Job! Thank you for all your help!
Great experience. Chris was great to work with and got the financing done fast and without issues. Would recommend without hesitation
Excellent service from entire Civic staff helped to close this loan. This was a very complex loan, it had more hair on it than a polar bear. Thank you Civic
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
Nick Flowers, my account manager, was prompt, well informed, and did what he said! When other lenders changed the deal, Civic did the deal!
Josh was very professional and never missed a step to our loan making a positive conclusion!
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!
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 […]
Greatly enjoyed every step with Savannah. She was quick, welcoming & happily took care of everything I needed! Wish every business transaction was as smooth & professional. Needed money fast to secure a home & Civic got it done. Thank […]
The Service is great Kendra’s team is the bestTo work with!!
Great customer service and closing process
Rance has been wonderful. He’s very responsive and has a quick turn around on things!
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
Peter Kraemer & his team are always great to work with, excellent customer service
Matthew Rabinowitz did a great job closing my first loan with Civic, I will continue to do business with Matthew
Common sense and a very quick process
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
Jame was real helpful and the process is Simple and Quick
Jackelyn and Civic has been a pleasure to work with and always ontime closing
Mike Calvert and Merlyn Perezwere great to work with; they made the process easy to get it done and help to guide me through it
Very responsive. On top of things. Great communication with insurance agent, escrow
It is always amazing to have the opportunity to work with a professional team, and this is for far the most prepared and excellent team Thank you!
You guys rocked! Thank you!
Another successful closing with Civic. We had a short closing time frame and they came through for us.
Information requested was very simple to obtain and less complicated than other loans. Happy about their close times and willingness to make things happen quickly. Will continue to work with Civic for my private money needs
Excellent communication and smooth process, look forward to working together on future deals
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 […]
AE Talar was awesome! Great customer service. Very knowledgeable and the process was smooth and fast! Great communication!
Mike is a pleasure to work with
My experience with your company has been excellent. The AE that worked with me is simply awesome, the entire staff have been very helpful, efficient and simply wonderful. In spite of all the hurdles and short time frame, they 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!
Brian Fung is exceptionally committed and professional. I called him during the Friday before Christmas to ask some questions on a deal I was considering and I was amazed at the level of service I received from then on through […]
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
Chris and his team did as they said with efficiency and courtesy
Good response time and frontloading of borrower requirements
Very quick turnaround and professional positive attitudes
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
It’salways a pleasureto work with Civic Financial !
Brian Lee was great to work with. So was Cory
Customer service is top notch
Once you set up the file clear conditions. Fast easy efficient closing. Will use them again. Thanks you Josh.
I would recommend Civic Financial Services to any investor looking for an investor friendly loan. I worked with Kevin Victoria and from the start he said what he could do, when he could do it and how much it would […]
My AE, Jackelyn Gonzalez has one of the quickest response times which is greatly appreciated. Their overall customer service is excellent as well!
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.
Awesome Team! Kept me informed and they were very responsive. Look forward to working with you in the future and beyond
John Paul is truly an asset in your company
Civic is very user friendly and fast….so far I am very happy working with them
Always great service
The CIVIC team was fast, efficient, and on top of everything through the whole process. They answered all my question and catered to all my needs/complications. Had an awesome experience working with this crew
Communication is off the charts and definitely exceeds expectations. Not once did I have a question that wasn’t already answered. Not once did I have to reach out for status. Communicating via text, email, phone calls, and with lighting speed […]
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
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!
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 […]
Great work. Talar was amazing
Jackelyn and Rebecca make a great team!! They are on top of the ball, get things done, and know their stuff!! Will continue working with them and Civic Financial!!
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.
Great organization and attention to detail! Will continue piping deals to my guy Matt Comeaux!
Quick closings-smooth process-great communication
Excellent AAA service by Account Rep!
Good rates. Mark Liker was very nice to work with
Another smooth Transaction with Civic!
Great Job Jack Excelente trabajo ,muy buena comunicacion, Gracias Crystal and Jose
Easy to deal with the staff Good job to JP
Love Anthony he is very professional, perfect fit for my team. He is just the person that is always open to solve and help on every single point when I am been asking for support. Just thankful to Civic for […]
Awesome! Great service and quick
Chris was professional and communicated clearly and quickly at every step of the process
Ivan was great! Always in constant communication
You are by far the best lender we have dealt with in a long time. Thank you very much.
Justin was quick and available for questions I had at any time throughout the week. That was a big one for me since I like to work quickly and figure out problems as soon as they arise! Thanks again for […]
Justin and his team were amazing during the process of getting our loans and refinances. They were on top of getting all of our paperwork in as fast as they could. On our last transaction we ended up closing within […]
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 […]
Civic FS were very fast and efficient, highly recommend!
Great attentive service from our team at Civic. Thank you Rebecca and Jaqueline
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 […]
Excellent service from Beginning to end
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
Great experience with Eli Marcus
Great experience with Civic. A solid and straightforward lender who has the needs of the investor in mind. KB helped to facilitate the process and kept things moving at a rapid pace to get things done.