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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Bank Financing vs. Civic Financial Services

Bank Financing vs. Civic Financial Services
Posted Wednesday November 8, 2017 in Mortgage, Private Lending

You know that we take a different approach when we review an application, either generated by a mortgage lender or broker, a real estate agent or directly from the ultimate borrower. If you’ve never applied for a loan from Civic Financial Services and are curious how we finance investment real estate in , it’s really […]

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How Does Private Money Impact the Community?

How Does Private Money Impact the Community?
Posted Tuesday October 24, 2017 in Private Lending

Civic Financial Services specializes in financing certain real estate properties that traditional lenders won’t. Why would a bank turn down a loan application that we could approve? Because we’re not a traditional lender. Our specialty is not financing a conventional, 30-year fixed rate loan for a primary residence. Our clients instead are real estate investors […]

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Private Loans: The Fix and Flip Strategy

Private Loans: The Fix and Flip Strategy
Posted Monday October 16, 2017 in Private Lending

A private money loan is one that is issued to a borrower in order to finance and repair a property that currently does not meet industry standards. When a property is in what is considered a distressed condition, a traditional lender will not place a loan on the property. A private lender, on the other […]

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How to Qualify for a Private Money Loan

How to Qualify for a Private Money Loan
Posted Monday October 9, 2017 in Private Lending

You already know that we, at CIVIC, fund “out-of-the-box” real estate that a traditional bank won’t touch. Instead of looking at the present condition and viability of a project we look at the longer term. We understand what the property will ultimately become and see how the newly rehabilitated project is truly a win-win-win. It’s […]

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Equifax Data Breach – What It Means to You

Equifax Data Breach – What It Means to You
Posted Monday September 25, 2017 in Credit

Consumer groups, legislators and creditors everywhere are up in arms over perhaps the most serious security breach as it relates to consumer privacy. You’ve no doubt seen the headlines but in case you haven’t, Equifax, one of the three credit repositories that provide credit agencies with credit histories of consumers, had its servers hacked stealing […]

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Civic Financial is an Equal Housing Lender

© 2017 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
Contact Dara Keo