CIVIC is your local Seattle 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 Seattle 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 Seattle 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 Seattle.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Seattle 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 Seattle private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Seattle 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 Seattle 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!
Very easy to work with, tried a few other Mortgage Companies and Civic was by far the best to work with
Wonderful service and competitive rates
Civic Financial made our year! Ben Shaevitz came as a referral when another lender was not able to help us with a mid-construction refi we were looking for. We were working under a deadline and he was able to reassure […]
Action fast and professional!
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 […]
Vanessa Lopez is fantastic at Piloting us through the loan process. Jack Helfrich is always there for issues when we need him. Of course Civic is competitive with the other Hard Money lenders who approach us
Once again, Nick Flowers has exceeded expectation. A true pro and a pleasure to work with. Look forward to an amazing 2020 and beyond working with Nick and Civic!
Wade is a tremendous asset
Working with ELI was a breeze. Closing was under 10 days and was unexpected
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 […]
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.
Jackelyn and Civic has been a pleasure to work with and always ontime closing
I have worked with Civic Financial Services on few transactions and they are the best to work with when it comes to private deals. Very professional and responsive. They have always exceeded expectations for me and my team. We will […]
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
Justin Cohen and his team did a great job. I would recommend them to anyone
I successfully financed my real estate purchase with Civic F. S. The process was smooth and the staff were quiet responsive to my needs. They assisted me from onset till closing. I will recommend them to friends and also I […]
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
Ivan managed to change directions and figure out solutions to get the loan funded. Very creative!
This was the loan from hell, borrower bought from auction.com sellers kept changing things from start to finish. Civic handled it without any problems. Melissa Salinas kept me updated and was as professional as any A/E I have ever worked […]
Nate, really help me take my business to a whole new level. I look forward to working with you guys more down the line
Matt and Team were great. Quick response anytime I had a question, truly made the process quick and easy. Great Job!
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!
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
Thank you for your assistance
Smooth transaction, great communication, good rates
My point of contact, Michael, was exceptional from the get go. I informed him of my needs and strict targets I had set. He did everything I required and got me a fast closing. Now I’m onto my next investment. […]
Amazing team to work with!
You guys are the best!
Great customer service
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
Great, Friendly Service
Nate, Gabby and Teresa were extremely helpful. I was elated to have the opportunity to work with this Team. They answered all my questions and presented all the options. Once my client made a decision to move forward they efficiently […]
Excellent customer service
Every one on the team had to put their best foot forward to close this transaction and no one gave up, it was extremely challenging. We all stayed the course and closed. David, Arnold, and Jenna are excellent to work […]
Chris goes WELL above and beyond he call of duty!! Extremely creative, knowledgeable , and has a a lot of integrity!best of the best!
Matt and Corey made sure we ready to close the loan ontime. They were the best
Rance and Rebecca make getting a loan so easy and smooth. During times like this, it’s good to know my loan will close!
They were very efficient and helpful in the whole process. We got everything pushed through and Michael did a fantastic job. Highly recommend them.
Whit and Vanessa are all stars. In the midst of a National Emergency they were able to quickly communicate, approve, and fund within the time line needed
Brian was very professional and efficient. They delivered on their promise. Brian and his staff kept the communication lines open and kept us informed
Great service, very responsive and delivers, love working with Brian
Will and his team are incredible! They make the process easy and go the extra mile to ensure everything is taken care of
Easy to work with through entire process
I have done a refi and an investment new construction loan with Civic. . their proffesionalism and promptness is matchless. Great to work with Rebecca, Jim and Arnold are amazing to work with! I look forward to many many more […]
Great service and continually updating progress at every stage! Nice guy too! I’m happy with the service I received!
Justin Cohen is the best broker I have ever worked with, on every level
Great customer service!
Justin Cohen. Amazing, efficient, quick and makes the process seamless and stress free every single time. 10/10 stars
Great experience. Outstanding always!
Great communication and helpful securing my 3 loans
Great communication!They were able to do what other Investors could’nt.
Cause Jackie & Becky Rock! Woot Woot!!
For the second time Civic exceeded my expectations. They are able to get everything done quickly, efficiently and professionally which makes the entire process smooth and my life much easier! No doubt I’ll be back.
Very good company to work with
Justin Cohen and his team were very professional and very responsive. I look forward to working with them again soon on more loans
Excellent. I would recommend to anyone.
Todd Kaplan and his Team were true to their word, worked super hard.
Great cuatimer service. AE just great . transaction was closed . customer was happy
Eddie is great – fantastic communication and followthrough has led me to trust him. Really appreciate that. Jose also has been great to work with on the execution part. Also appreciate Eddie straight telling me he couldn’t do one other […]
Working with Brian, Gabby and Teresa is awesome! They are great at communicating and keeping me posted and move expeditiously through the process. I hope to do another deal soon!
Jack and the whole CFS team were awesome to work with from start to closing
Quick and to the point A+ Derek
Great customer service! Fast and efficient
The Customer Service was great. The efficiency of the flow through the process. Peter is awesome
Melissa was very good and was very helpful. No doubt I would recommend her to any and all investors.
Jack is one of the best AE’s around. He is extremely professional, very responsive and knows his stuff. It is a pleasure to work with Jack and I hope we are able to close a lot more loans together.
Prompt Service and timely attention to the needs
Jackelyn is excellent to work with. I appreciate her transparency
The service I received from the very first phone contact with Chris Lushina was professional and got full and good information. Then all of my contact with the closing team was the same . Always answered my questions promptly. Have […]
The upfront, honesty, sincerity, and quick responses. Not to forget Tammy’s constant updates!!!
John is always helpful and Im glad we got this loan done
The whole team did an excellent job guiding me from which loan was better for the client to the processing, UW and closing. Kudos to everyone.
CIVIC is the best choice if you need to get your loan done fast and easy!
You guys rock as always!
I was quite impressed with the speed and efficiency with which my loan was executed
Second loan with Civic, and service is just as good as the first! Thank you guys for the amazing service and fast closings!
Great customer service with my loan rep Galo
Great experience in working with Tedd, Monica & Daysi at Civic. This is a great organization that works efficiently in closing your loans. I highly recommend Civic and Tedd’s team in particular.
Dave made this process very easy. His communication was top notch
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.
Great service and assistance from my rep Randi, thanks!
Michael was the man
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
Great people. . and work very hard to get you the best deal
Justin and his team are always a pleasure to work with, professional, timely and always there to support your transactions to the finish line
It’s always a pleasure working with Justin and civic It’s such a smooth process
This is the second deal with Civic and, like the first, was very easy transaction
Very professional team, Daniel is very responsive and closed quickly.
Great lender. Highly Recommended!!! We worked with Jack Lupo, and he is great!
My AE Melissa Salinas and AM Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
Arnold is great -communication is great. I am happy with the speed and rates
Love the communication, quick response and friendly advisors
Closing was Easy and painless
Ben is great at organizing and finding solutions
The way it should be done. Compared to others in the industry – you guys are mind blowing.
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
Awesome service provided
Great lender, easy to work with and fund fast!
Awesome team to work with!
Marco is a STUD. Hands down he gets the job done
Acct Rep was outstanding
Because it is always a professional representative and a resourceful crew working together, that makes everything easier . Always giving answers right away, it makes me feel supported trough the process. Thank you!
Jack you are a superstar
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 […]
Great service and quick process
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
Civic is great at communicating throughout the process and are always quick to respond to questions. This is important to me
Awesome work with Jack Lupo and his team.
Justin Cohen and his team did a great job making the loan we were working on happen
Randi was professional,caring,informative and pleasant to speak with. She did everything she said she would do and some extra
The customer service was great
The loan agent Justin Cohen was a pleasure to deal with for the following reasons 1. Very Transparent about the loan process and loan terms 2. Very Prompt in his communication 3. Understanding of borrower’s needs and situation
The team at Civic Financial were very informative, diligent and walked us through the process every step of the way. They pressed through the final steps at the deadline to help get us closed on time. We look forward to […]
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. […]
Quality representation, easy communication from everyone involved. Happy to work with a professional organization
George Jones and staff were very communicative and helpful in every area of the transaction. They saved the client from losing $30,000 in escrow. Thank you!
Always good to work with Jackelyn and Rebecca.
Great lender with overall great products. My account executive Jo Jones is the best!
Great customer service. Great communication and quick responses
Justin is very responsible and responsive, very easy and great to work with!
Jackie Gonzalez is the best. Great communication and she will fight for your loans. I will use you again real soon
Brian Fung did a very good job, was in constant communications throughout the transaction, I enjoyed working with him.
I have a fantastic account rep, Paige O. Prompt, Knowledgeable, Helpful and Friendly.
Fast service, excellent team
Repeat customer. Dave and his team are great
Civic is awesome!
Past business experience with Civic
great working with John
Honestly, Randi made the entire process extremely painless. Even when the simplest snag came up, she was on the phone to resolve immediately. She was thorough, direct, and honest. I cannot wait for the next property.
Eli was great, he was very responsive, all Civic staff was also gave me a timely and accurate response, and they were all friendly and professional
Always a good experience.
Marshall was very persistent and helpful. Always on top of everything. Good job!
Jason was very professional. He worked really fast to get the deal done. He walked me through the whole process. I will use them again. I am very satisfied with the service
We have a great team together, Jack, Aly and Michael. We are working on more loans for our Team
I love how quick they are to help. I would be glad to work with Civic Financial Services again
Civic really have a Great team. They are all very sharp and knowledgeable. I am very impressed how quick we close my deal
Ivan Oberon and the team supporting him have been very responsive and professional, thank you!
Civic Financial Services handled my transaction with a high level of professionalism and speed. Their processes are streamlined, which for a customer equates to a high level of confidence and security that they will do what is promised. And that […]
Melissa is the best!
Great job ! Great service !!👍🏼
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
My rep, Peter Kraemer is great. Very knowledgeable, help, and he’s even available on weekends
Consistency and effectiveness is top notch
Responsive and timely. Common sense requests and requirements, and available when needed!
Easy to deal with the staff Good job to JP
I would recommend them to anyone
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
Jackie is the best partner she follows up even when I got disinterested she kept plugging away.
Personalized loan products, clear and controllable application process, and quick loan close. The local account service is also first-rate.
Speedy service with prompt responses from AE & processing.
Mike is a pleasure to work with
You are by far the best lender we have dealt with in a long time. Thank you very much.
Patrick Morgan with his team Monica Hawley and Jose Lopez did an awesome job as always coordinating another great transaction for my client. They are always consistent in their process and have always pulled through for us which is why […]
Jack Lupo and Michael Hoyt are one heck of a team. They go above and beyond to make sure that you are taken care of from loan application to funding. When there was bumps in the road they were there […]
GREAT JOB TEAM
She is polite. Patient. She is reachable
We just took a loan for the first time to buy property, and Civic Financial Services did a fantastic Job in providing the loan for us on a timely manner. William was very patient and didn’t push us to take […]
Amazing communication and support!!! Thank you
Mike Jablonsky is the face of Civic and outstanding at what he does for my office.
Exceptional lender. . . . they actually did what they said they would do, which is almost unheard of amongst lenders! Straightforward, fast, efficient and honest. . . I have worked with real estate lenders for over 40 years, and […]
Well I am supper impressed by the way these guys handle the transaction. Dream Team, really a Dream Team.
Bijan was very helpful and informative throughout the loan process. We’ve worked with him before and he helped us throughout the loan. We have worked with Bijan for a few years and he has been very helpful, honest, professional and […]
Great rates great service
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 […]
Jack and his team are awesome. Constant communication throughout the entire process and no surprises
Great products for investors
Chris & David were polite & patient when I did no send info on timely basis. They consistently guided broker & borrower as per Civic lending criteria etc. Civic is my go-to lender, especially due to exceptional service by Chris […]
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
Justin, Leslie, Dianabel and the rest of them pulled the impossible! I had a hard, quick funding deadline and they made it happen. Team work made the dream work. A lot of different tasks from other departments to complete, but […]
Melissa is great to work with
Marco and his team are awesome! They make the process so simple and quick!
The process was very smooth and their product is unbeatable!
Because you guys do everything possible to get our deals closed!
Good, quick, easy to work with
Peter Kraemer & his team are always great to work with, excellent customer service
Bijan did what he said he would do. He and the support staff were very accessible, which helped make for a smooth, quick closing.
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
Civic has a good team for obtaining a hard loan during hard times
Mr. Marazoni help us to find out the best solution for our requirements
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!
Great team, easy to work with and responsive
Daniel Molina and Jose Lopez were great! They helped make this 1st loan I have brokered in 10 years easy and quick to close
Easy to work with
Brian has wrapped up two files with a RED BOW. . .
Civic always does a good job with my loans. I really enjoy working with Jacqueline Gonzalez and Rebecca Potter
Woot woot! Woot woot!
Rance has been excellent to work with, fast an sufficient closing
Good service, easy to work with
Excellent service and very responsive.
Civic is a pleasure to work with, they handled every aspect of my clients loan with the utmost professionalism and demonstrated flexibility in working to get the deal done. I will certainly be using them for upcoming loan transactions!
I liked the fact that they were able to go over the process initially with me and gave me different options to choose from.
Civic team were very professional & meet their committed dates
Excellent communication, Team work and effort. Always a Pleasant Experience!
My Rep Peter Kramer was absolutely Amazing!
Matthew Rabinowitz was extremely helpful in acquiring our bridge (gap) loan. He is very knowledgable in his field and was always available when we needed him. We will absolutely use his services in upcoming debt structuring. We would definitely recommend […]
I have worked with numerous lenders and I have to say Matt C. and his team exceed my expectations. Very professional, call/email responses and understanding my needs as investor. I am excited to work with him on more deals in […]
Excellent service and experience
Best company to work with. Fast, and great rates
Great service! Jack and Aly were extremely responsive and understanding to a tough deal
Great service as always
Josh Haddad makes it easy. He’s very knowledgable about the products and the process and the team gets things done. We really appreciate the dedication, speed and respect that Josh and the Civic team offer to us and our clients. […]
I been brokering HML loan for 5 years now, definitely the best service I’ve received in a long time. Definitely will be doing a lot of business.
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.