CIVIC is your local San Jose 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 San Jose 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 San Jose 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 San Jose.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to San Jose 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 San Jose private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. San Jose 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 San Jose 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!
Everyone at Civic was exceptional on the recent cloaed transactions.
Good follow up! and good follow through
Ben has been a pleasure to work with. He goes above and beyond to ensure things come together and are completed as quickly as possible. I have worked with other lenders and Civic is one of the few I would […]
Randi communicates well and made the loan close on time
Your firm is professional and fast. Jackelyn Gonzalez is great! Thank you all. JA
Jack is awesome and really takes care of me everytime I need a loan.
James and his team are great to work with, they went out of the way to make the process smooth.
Great company, they work fast and do as they say!
Quick response from account manager and responsive processing team which lead to a fairly quick close
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
I found that Christian was Awesome in answering questions and handling the problems that kept coming up with the title company
Friendly, fast, and efficient customer service
Ivan’s communication and response has been excellent.
Job well done. My clients are very happy.
This company is easy to work with Nate took great care of us
Wade went to bat for me
Excellent Service for our loan
Nick was very informative, prompt to respond and helped walk me through the entire process step by step. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier
Rance and his team do an excellent job keeping me informed about the process of my loans. He is always there to address any concerns or questions I may have
Great communication. Arnold is Awesome
The Process was very fast
Melissa was very helpful, she kept me updated all the time, and made it happen for me
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
Kendra and Leslie are awesome, attentive, and a pleasure to work with!
The amount of time it took to expedite the closing. Along with the professionalism. Justin and his team made this a very easy process.
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 […]
Speed in the loan process from start to finish. Excellent rep support; Processing, UW and Closers are great to work with
Anthony was great in the process
Great Service and prompt turn around. Can’t ask for more!
Solid underwriting, clear terms, fast closings
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 […]
Jackelyn is excellent to work with. I appreciate her transparency
Civic really have a Great team. They are all very sharp and knowledgeable. I am very impressed how quick we close my deal
Excellent product and service
Outstanding work Civic- thank you!
Great customer service!
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!
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
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 […]
Everyone was on the same page this and transaction went smoothly. Thank you
Quick service who truly want to help the client
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
Chris was amazing. .
Great hard money lender
You guys did good and it worked out. Thank you
The online process for applying for a loan w/Civic was simple and straightforward. I got immediate feedback & knew exactly the deal for which I was qualified. The Account Executive, Randi Lauren, followed up with a phone call the same […]
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
John is great to work with!
Brian Fung and his team were amazing – they closed my loan within 10 days! The underwriting and loan process went extremely smoothly without any hiccups. The loan time periods can be very frustrating and stressful but they made it […]
Civic did an awesome Job for a very difficult client!
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
Mark was easy to work with, timely and a no-hassle experience over all
Justin Cohen and his team did a great job. I would recommend them to anyone
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future
Bijan and the team handled the loan superbly. Ran into a small snag, but working together we were able to make it happen and close on time. Things happen in this industry and It’s nice knowing the ppl you are […]
Michael Braswell was diligent and time efficient on getting both files closed given the situation.
Kevin was fantastic again as well as all of the executive to make this deal happen. Thank you
Because the service was great! Came up with a plan and executed. Correspondence was very timely
Joe Zaniboni and the Civic team have been extremely helpful and quick! They make the process painless and easy. Highly recommend!
When the non-QM loan I had been working on completely disintegrated and disappeared, Civic and Eli were there to help me get a very important ReFi to the finish line. In a matter of just over two weeks, Civic took […]
The account exec Mariam was amazing. She readily & promptly responded to all questions and inquiries. Clear expectations were communicated and met throughout. Very knowledgeable.
Jack is amazing to work with!
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
Arnold and Becky were doing a great job ! Especially Arnold keep me poster on the loan process on every steps. I am so glad that he is my loan officer and will do more business with Civic Financial Services […]
Super helpful every step of the way!
Very quick turnaround and professional positive attitudes
Eli is awesome and very professional
Service was great and Jo Jones was exceptional
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 […]
Civic never ceases to impress me with their ability to get to closings in a timely manner. They realize that time kills deals and the less time it takes to fund mitigates much of the concern
Cristian Gonzales. He is 100% the reason for my 10/10 rating. Not only did he get it done super fast, he was a ton of fun to work with. Give the man a raise! 🙂
Mr Eli and his team offer excellent service and quick response times.
Repeat customer. Dave and his team are great
Chris Rosas, David Levine, and team did a wonderful job for me and my client. I’m thankful to have them as a resource.
Jack Lupo is the GREATEST!!!He is alway helpful and knows how to work with our customers. THANKS JACK
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
Jack is our rep and he is awesome!
Great Company TO WORK WITH!
Mathew delivers! He goes the extra mile to find a product that caters to the borrowers specific situation. Excellent account executive. Would highly recommend!
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.
Responsive team lead by Brian Fung
Great guy to work with. I hope to work with him on the future.
Paul and the team at Civic were great. They were able to put everything together and close the loan right on time
This is the fifth deal we did with Civic Finanical. This company is easy to work with. Dan was very professional and did everything he can to help the funding go smoothly. We love working with Dan.
Arnold is beyond amazing – making this a very painless process – as an experienced investor i can’t find a better option than Civic- 5 stars
Civic is very user friendly and fast….so far I am very happy working with them
Extremely responsive team! Knowledgeable and supportive
Great financing company!
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.
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
Like always, Justin was 10/10!
Ease of doing business, agile responsiveness, and consistent professionalism
Buyers are Very Happy!! And will definitely do business again!!
Had the Programs and was easy to talk to to get things done
My first closed deal with Civic and loved the process! My rep Jackie Gonzalez was awesome and my processor Rebecca Potter was equally amazing and helpful! I’m excited to close many more deals with Civic and Jackie and Rebecca! Thank […]
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
Civic did it again! One more happy customer.
Great working with Eric, always on it
It’salways a pleasureto work with Civic Financial !
Fast close, easy to work with 🙂
The team I’ve worked with at Civic, Rance Brown’s team, is rock solid. They are responsive and easy to work with. They’re my go-to lending option
I believe that the personable relationship with my particular broker, Brian Fung, made the difference. The interest rate, terms, and points for closing were competitive. They expedited the loan with speed and consistency
I would recommend Civic Financial to everyone I know in the business BECAUSE of Matthew Marky. Matthew has a strong work ethic and goes above and beyond any Rep. I have worked with in the past 18 years in the […]
Scott Vincenti is probably one of the greatest referrals I’ve received. He’s very well spoken and just a well rounded guy that is very knowledgeable about the business. He’s never not been able to answer a question, on top of […]
Civic is a great company to work with, they get things done quickly and my AE Tedd, is great at picking up the phone and answering all of my questions. Keep up the good work!!
Closed on time. Quick response
Smooth closing:) We were able to close on time and deliver great customer service. As a broker, I love working with Civic
My rep (Jackie) and processor (Rebecca) are fantastic!
Alan Sperling and his team did a phenomenal job getting such a tough transaction closed. Highly recommend!
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
Randi is great to work with. CIVIC has a very good program.
Very good communication and speed from package submission to funding! Great Job!
Very fast lender, fair terms, and excellent communication. We felt that Civic tries to find ways to get deals done not kill deals
Michael was the man
Always a good experience.
Justin Cohen. Amazing, efficient, quick and makes the process seamless and stress free every single time. 10/10 stars
A lender I can trust always!
Tough loan – good job getting it closed
Awesome lender. Highly recommend and will re-use
Easy to work with and good Client care! Will be using them again!
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 […]
CIVIC was able to fund my deal quickly and gave me a great rate during unprecedented times. Marshal and Paige were friendly, efficient and helpful throughout the whole transaction. I will use them again and again for my projects.
Always a great experience working with Civic. Very professional, excellent service and helpful every step of the way. Specifically, I’ve worked with Whit and Vanessa and those two are awesome!
The process was simple and fast! Loved working with CIVIC!
On top of the whole process
Excellent service and experience
Marshall has been great from start to finish. He explains things clearly, is always friendly and pleasant on the phone and is patient with me, but still very quick to respond
Chris is the best!
Smooth easy closing like the past ones we have closed
I have used Civic multiple times and wouldn’t hesitate to recommend them to anyone thinking of using them. The whole team works well together and moves the file along seamlessly. Grateful to get to work with Cameron
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
It was a pleasure meeting Melissa Salinas at a recent REIA in Dallas. She earned our trust with her friendly nature and professionalism. Melissa and Michael Hoyt provided an excellent lending experience, knowledge and patience as my company joined a […]
Civic followed through and did what they said they would do. Thanks!
Brian Fung did a very good job, was in constant communications throughout the transaction, I enjoyed working with him.
This is a great team to work with
Josh at Civic Financial Services helped me through the process on obtaining a loan to fund an investment property. Josh was such a professional and easy to work with. He made every step of the way simple.
Fast service, excellent team
good service and on time of closing escrow
Civic is awesome!
The most important part of any transaction, other than speed (and Civic is swift for sure), is communicating effectively to create accurate expectations from the point of beginning – Justin Cohen does this remarkably well and maintains a level of […]
My assigned Account Executive Mariam Adams is a professional and she really takes the time to listen to the needs of the client and Broker. As I have stated before, Mariam goes beyond her requirements as an AE to get […]
Jackelyn and Civic has been a pleasure to work with and always ontime closing
CIVIC KEEPS BROKERS INFORMED
Will is definitely someone I will be happy to make business with
Mariam Jasemi is hands down the best AE in the industry
Great job Melissa and team I am very pleased with such great service and amazing customer care Melissa and her team been providing me Thank you
Justin, Marisa, and Ally are such a great asset to have behind us. This deal was very unique, and not sure we could’ve gotten it done anywhere else!!
We are the first PA deal originated with Civic!…..and definitely not the last. Our first deal with Civic has been something in motion since December of last year. We had the pleasure of meeting Rance at the IMN SFR West […]
Every closing we have with Civic has been a great one!
They were the only intelligent lender to get my deal done!! Thank you!
Civic Financial Services did a great job with our loan. They looked at our experience as a renovation company and gave us a very competitive rate. They were also very responsive, funding our loan within about 7 business days of […]
GREAT LENDER TO DO BUSINESS WITH
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 […]
Exceptional service. Went without any issues. Thanks
Civic Financial closed my loan with no hiccups. I’m a commercial loan broker and the service was good and fast paying. Thanks team Civic.
Great service. Wade really makes it happen
J to the A to the C to the K to the I to the E + B to the E to the C to the K to the Y!
Great service , quick response
Seamless and organized loan process
Easy closing. Great rates
Extremely professional and very courteous
Great rep who followed through. Good rates and terms. Ease of process worked well for me as a builder.
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.
Great customer service
Excellent service good communication
Worked with Dave Rooker on many properties/flips I own. He is THE BEST!! As well as Gabby & Marisa at Civic Financial. I already send my family & friends to get financed from you guys!!
Great Rates and exceptional service
Extremely professional! Look forward to doing business again in the future
With our Partner Nate W. we are ALWAYS in clear communication on what is needed next to proceed. The CIVIC team was open to jump in whenever I needed assistance. By far one of our BEST partnerships so far
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 […]
It’s always a pleasure working with Justin and civic It’s such a smooth process
Level of expertise, commitment, responsiveness and ease of use
Justin Cohen and his team did a great job making the loan we were working on happen
Broker was very helpful – underwriters were very careful and methodical and made sure that all of the specifics regarding my property and loan were accurate
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
Quick, easy loan
Excellent service. Deal number 24 . Gracias jack and team
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
Good, quick, easy to work with
Peter has gone above and beyond to make sure that us as the customers are taken care off. . Return emails, phone calls, and texts in a very timely manner at the same time keeping us updated on how the […]
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!
Very good service. I especially appreciated the help from my account executive Michael
Unbelievable FAST! 2 weeks deal close! Thanks Janes Hatcher
Review of the rehab budget was fair and was supportive of the project’s success. Adam did a great job of pushing the loan towards the end to try and meet our COE
Easy to work with. High intensity level of work. Great communication. Have respect for the closing date. Fast turn around time
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Peter, my Rep, is Par Excellent. Peter literally worked multiple weekends to ensure our deals funded as promised.
Being a non-USA resident could have complicated the process somewhat, however Ms. Jo Jones supported by Ms. Cabrera smoothed all the possible hitches very professionally and ensured a seamless process.
Patrick and his team members Rebecca + Jose coordinated another successful closing.
I always use Civic because they have competitive rates
Ryan Snep was fantastic to work with. He was professional, helpful and knowledgeable. I would highly recommend Ryan and Civic Financial Services for all your hard money loan needs
Brian was great it was easy fast and non worrisome
Everyone who helped out at Civic were awesome the whole process of the escrow. From Rance to Jeremy and Rebecca, all of them were so nice and on top of everything. It made the transaction very easy and would recommend […]
Awesome company to work with.
Success again, you all make thing happen. Keep it up. I’ll be back for more…
Great service, very responsive and supportive throughout process
I highly recommend Civic!
The process was smooth and expedient. . Thank you, Melissa Salina and Michael Hoyt for your help and diligence
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 10 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]
Everyone was great. My questions were being answered.
Dave and his team always makes it easy