When Private Money Is the Perfect Solution

When Private Money Is the Perfect Solution
Posted Thursday February 1, 2018 in Private Lending, Real Estate

At some stage in your real estate investment career you’ll need the services of a private lender. It’s pretty much inevitable, especially if your portfolio consists of multiple non-owner occupied residential properties or your portfolio is just starting and you intend to begin adding real estate over the next several months. At Civic Financial Services,…

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Preparing Your Exit Strategy

Preparing Your Exit Strategy
Posted Saturday December 30, 2017 in Private Lending

At CIVIC, our private loans aren’t designed to meet third party standards. They meet ours. We don’t sell our loans. If we did we would have to abide by lending guidelines set by others. But we’re not in the market. Our mission it to provide competitive, private financing to real estate investors who want to…

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Big vs. Little: How to Evaluate a Private Lender

Big vs. Little: How to Evaluate a Private Lender
Posted Thursday December 21, 2017 in Private Lending

When you begin to explore the possibilities of using a private loan to facilitate the purchase of a non-owner occupied property, if you’ve never used a private lender before, it’s important to note they’re not all the same. At first, we admit, it can be a bit confusing because private lenders set their own terms…

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The Critical Importance of Private Lending

The Critical Importance of Private Lending
Posted Tuesday December 19, 2017 in Private Lending, Real Estate

For those not familiar with private lending or have never even heard the term, it takes a bit of explaining. But once explained, it makes perfect sense and its importance in the real estate industry becomes immediately evident. How so? Private investors view real estate a bit differently than a bank or traditional mortgage banker.…

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Understanding APR

Understanding APR
Posted Friday December 8, 2017 in Mortgage, Private Lending

We probably couldn’t have thought up a more boring topic about your annual percentage rate, or APR, but it’s important to understand where this number comes from and why it really is important. And it’s not that complicated, either but many loan officers and even mortgage lenders in general have trouble explaining what the APR…

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Building Your Buyer Database

Building Your Buyer Database
Posted Wednesday November 29, 2017 in Private Lending, Real Estate

Real estate investors in who regularly buy and sell investment properties obviously need two things – access to quick funding and buyers to sell to. At CIVIC, we provide the financing that real estate investors need to quickly provide necessary funds to buy and rehabilitate investment properties, both residential and commercial. After we issue the…

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Private Loan Terms Explained

Private Loan Terms Explained
Posted Friday November 24, 2017 in Mortgage, Private Lending

Private lenders have their own language used in the mortgage approval process and if you’re new to real estate investing we’d like to take a moment to review some commonly used terms you might hear during the course of your loan approval. Abstract: Also referred to as a property survey, this is a physical and…

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Why CIVIC Approves Loans Differently

Why CIVIC Approves Loans Differently
Posted Monday November 20, 2017 in Private Lending

When you’re a private lender like we are, you get to set your own rules. That’s much different compared to traditional lending in today’s marketplace. Here in the United States, the most common home loans issued are those approved using standards set forth by Fannie Mae and Freddie Mac. That’s important because it keeps the…

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Cross-Collateralization: The Gateway to Unused Equity

Cross-Collateralization: The Gateway to Unused Equity
Posted Tuesday November 14, 2017 in Private Lending

Cross-collateralization is a term used to describe a loan that is collateralized with multiple properties. One loan with multiple recorded liens. Most investors prefer the term “blanket loan” which essentially means the very same thing. One loan attached to several properties. And it’s a great option for real estate investors when a deal comes up…

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Civic Financial is an Equal Housing Lender

© 2018 Civic Financial All Rights Reserved. Located in Redondo Beach, California, Civic Financial Services LLC is a leading private money lending provider servicing the greater Los Angeles, Dallas, Phoenix, Seattle, Portland, Denver, Miami, South Beach, Tampa, Sarasota, San Diego, San Francisco, Irvine, Las Vegas, San Jose, Riverside, San Bernardino and surrounding communities. Civic specializes in short term, non-owner occupied and investment properties financing utilizing private hard money and bridge loans.

All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under NMLS 1099109 and DBO License #603L321, AZ Mortgage Broker License #092863, CO Mortgage Company Registration, ID Mortgage Broker/Lender License #MBL-8288, FL Mortgage Lender Servicer License #MLD1536, NV Mortgage License MB4419, NV Broker License #4443, NV NMLS ID #1410002, OR Mortgage Lending License #ML-5282, TN Mortgage License #136082, UT DRE Mortgage Entity License #10570639, WA Consumer Loan Company License #CL-1099109. Civic Financial Services, LLC is an equal opportunity lender. Powered by Lenderd.com - Mortgage Website Automation

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Contact Dara Keo (424) 336-7969
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