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!
I would like to commend Kevin Victoria and the rest of the staff for all their help and support in making this transaction possible. Best Regards!!!
Fast and friendly service on loans and funding
My account executive Mariam was extremely professional, incredibly responsive, and just an overall pleasure to work with. The one or two times that she may have not been 100% certain of something I could count on her to find out […]
I had a great experience with Civic, excellent service
Civic has been an important part of the mortgage business for me for many, many years now. Matt Marky and his staff are amazing, a pleasure to work with and on top of their game
Jackie and Rebecca do a great job on my deals. The honor the pricing and have excellent customer service. They are always responsive with all methods of communication
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 […]
Been in this business a long, long time and Civic has by far become the only lender that reminds me of the good ole’ days!! STELLAR COMPANY! Thank you, Justin Segal!!
Paul handled our transaction superbly, keeping us informed each step of the way, and proactively calling us when other parties in the transaction had simply sent fire-and-forget email messages. We’ve used many traditional lenders in the past, and this by […]
Will promised up front he preformed on it, we have 20 years in the business so this is not are first time. . . thank u Civic
Great rates great service
I sincerely believe that CFS is the premier lender in the space that it is in. In addition, I very much enjoy working with Eli Smush
Fast communication, streamlined process
These guys know what they are doing. Very reasonable rates, professional services and quick closing.
Rance is very helpful and gives us the funding on time
Excellent service! Very impressed with Eli’s professional service.
I enjoyed working with the entire team.
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
Prompt Service and timely attention to the needs
I have had the pleasure of completing two transactions with Civic in the past 4 months. From start to finish, and beyond, they have proven to be true professionals at what they do. Civic was on top of my needs […]
Monica Hawley and Dave Piasecki were extremely responsive and worked with me to get my project funded despite some very difficult circumstances! I would recommend Civic to lend on real estate deals
Will and his team are incredible! They make the process easy and go the extra mile to ensure everything is taken care of
Good job Tiffany!! Already gave her another deal in progress.
Reputation, Rates, and Service
Marco and his team are always so helpful and responsive which makes closing loans with them so easy and stress free!
Peter was great to work with. Extremely communicative, quick to respond, friendly, knowledgeable, and ultimately offered great rates and helped us to secure a great fix and flip project in West LA!
Great service and quick process
Mike J is top notch.
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
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.
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.
Eddie is 1st class and always professional & really helpful. And my closing agent said she had a very enjoyable experience with your entire team. Please pass on my sincere thanks to each of them
Justin Cohen and Heidi Marshall provided flawless execution, effectively overcoming the several hurdles that we encountered during the process.
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 follow up and teamwork to get the loan closed
Simple , easy , quick loan
The Civic team was very helpful throughout the loan process
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 […]
Rance was great to work with. Quick turn around and great rates for private lender. Worked well for us!
Great team, easy to work with and responsive
Rance was outstanding. The process was quick and simple and the communication was excellent
Chris went above and beyond to make this deal happen!
Paige is simply the best ! Super professional and helpful . Thank you
Action fast and professional!
Quick turn around from start to finish
the Deal closed as needed
Easy to use, smart lenders, quick and clear communicators. Everything you could ask for in a lender!
Loan process and closing were very smooth!
Had a GREAT experience dealing with CIVIC – easy, straight forward financing done QUICK
I applied for a loan with Civic Financial and I did not know what to expect because I was in another state. Taylor Contreras assisted me throughout the process and I can’t say enough about how wonderful and personable and […]
Super fast, very professional and always reachable!
Always a pleasure working with Peter Kraemer & his team. Professional 100% – seamless and efficient, never stressed when working with Peter. Job Well Done!
Marco Castaneda is one of the best wholesales I have had in 18 years in the business. Very responsive and knows his programs inside and out. They are getting a lot more of my business because of Marco.
I would recommend Civic to any Broker that knows how to originate non-QM private money loans. Kendra is awesome and trust her with our files.
This Guy is Awesome! And Amazing to work with! Not to bad on the eyes either! lol Respect his input, integrity , and professional. . . I hope he gets promoted but then again I don’t, because we need him […]
My rep, Peter Kraemer is great. Very knowledgeable, help, and he’s even available on weekends
Civic got the loan done in a timely manner , nice professional service!!!
Michael and Monica were awesome
Previously worked with the Account executive in the past and was excited to know that she was going to be employed with Civic. She always strives to go over and beyond to help others
Civic has paved the way for how lending should be. I am elated to have a partner like Civic. They are hands down the best in the business. I buy and sell close to 150 homes a year and I […]
John is great to work with!
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
I liked the fact that they were able to go over the process initially with me and gave me different options to choose from.
They are very fast and professional
Jackelyn and Rebecca were excellent and efficient with our transaction!
Super fast turnaround.
Interest rate on loan; Loan process wasn’t difficult, Kevin Victoria did a great job
The team over at Civic really go above and beyond to help our clients! With all the changes we go through day to day, their continuous innovations are just what our markets need! Without Civic there would be a large […]
I had the great experience of working with Marshall Jones at Civic and his amazing team there. The experience was great and i would highly recommend them. We closed on time and got my client exactly what was promised on […]
I gave a perfect 10 rating to Civic, because of my AE Nat Avendano! She was professional, always available, and extremely knowledgeable. All other parties involved in our transaction, (including our title company, which is impossible to please), agreed that […]
Civic Financial Services made the loan process easy and brief. I was able to secure my loan by following their simple directions and providing far less complex information. The appraisel process was inexpensive and saved me a great deal of […]
Easy to work with and very professional
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
Chelsea Menese is by far the best processor, loan coordinator I have ever worked with. This file along with the 4 previous files were very easy as a result of HER amazing talents. Chris Lushina has also gone out of […]
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 and his team were very professional and great to work with the whole time.
This is the second loan I have completed with Civic Financial Services. It went through very smoothly. So impressed with the ease of doing business with them. Thank you so much
I truly appreciated working with Jackelyn Gonzalez and Rebecca Potter. We have completed 5 transactions this year, and they have excellent communication. Excellent turn around time and I can freely discuss any concerns without a problem
Team went out of the way to make deal work and process is very streamlined
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!
a pleasure working with civic and cristen Gonzales. as a hard money lender hes very knowledgeable and an important asset to my investment company. cant wait for our next transaction
The speed /quickness is important
Justin was great! Did a very well job!
Matthew Specht, Account Executive, is the best in the business. He is one of the rare AEs who has thorough knowledge of his product and can aggressively move a loan application through the process
Second time customer, excellent service and loan teams!
Great service and products
Eli was great, he was very responsive, all staff also gave timely responses, and friendly staff
Jack Lupo is awesome! Smooth process from start to end
Speedy service with prompt responses from AE & processing.
Ben, Dianabel and Vanessa were amazing to deal with once again!
Outstanding team work, excellent & brilliant execution, timely handling and processing of documents. Exceptional communication from start to finish
Mariam goes above and beyond. She made the experience of closing a loan with Civic very easy. Just having her as my AE I feel very confident that I can close more loans with Civic
Patrick Morgan has been very instrumental in navigating us toward the right path. He has also exhibited product knowledge which I cant say the same for other reps with other lenders I have worked with. Our business experience as a […]
Very good service. I especially appreciated the help from my account executive Michael
Fast friendly knowledgeable…
Brian was very helpful and patient with me and my client. I will bring more business to Civic FS. Thank you
Always good to work with Jackelyn and Rebecca.
We were extremely happy with the process- exceptional!
Working with people you trust makes all the difference
Civic’s rates are very competitive and we don’t have to worry about surprises at close
Every thing they said they would do they did. When things became difficult they didn’t give up they pushed forward until the job was done and loans closed
Civic has consistently delivered on their promise to support our business. We have done several deals with Civic now and they consistently deliver with excellence. Melissa Salinas and Michael Hoyt are high professionals, very knowledgeable and fast!
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
Brian and his team are awesome to work with. His communication is great from the beginning to the end, and he makes himself available at all times of the day to answer or assist us in any way
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
Great, Friendly Service
Pone and Rance were fabulous. It was a awesome experience. They are very professional and very kind to work with
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. […]
Excellent communication with the sales rep five stars excellent communication with processing very satisfied Underwriting was very patient and timely closing
The process was very easy. Having spoken with Brian on the phone many times he made it very easy and set us up with an Originate link for my buyer to apply. Then the warm handoff to his team made […]
Starting by Derek the loan officer and Monica his boss and the entire team. Easy process from A to Z as promised !
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 […]
Justin is awesome!!
Nick was great and very helpful. Communication was excellent and he was on top of the process every step of the way.
Chris Lushina and Jack Helfrich have both been handling our business at an Exemplary Level, which is very much appreciated by all principals in our organization. We have been blessed over the years to have coordinate built a unique business […]
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
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.
Great job Jack! Thank you!
This is one of the smoothest closing I’ve even had. Thanks to John & the rest of the team.
Quick and to the point A+ Derek
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 […]
Great Services and process! And you cannot beat their competitive rates and terms.
Easy and quick process
Justin Cohen is a true professional. Someone who says what he does and does what he says! I have had a number of years dealing with Account Executives and I can honestly say he rates at the top of the […]
GREAT JOB TEAM
Great experience working with Jackelyn and Civic. They always get my loans funded quickly.
Working with Trevor was an easy process and was fairly quick. I will be sending my next transaction to your company
Great financing company!
Things have really turned around and there has been more communication making things smoother
Loan process went smooth for the quick close
Easy and smooth Transaction, thanks to Realtor Anny Ortiz and Melissa Salinas !
Excellent service and experience
Kendra was great even when we had to re-do everything! Great job!
Very easy to work with, Kept me informed and closed fast! Adam and Corey are awesome, they made me comfortable during this detailed process. I also know this is a little out of your desired area and because all of […]
Great and best service. My rep Randi was also available to take my calls and reply within 10 minutes when I sent her text messages email or left voice messages. I highly recommend Civic to anyone
Nick Flowers did an awesome job. Well done!
Mariam, our loan officer, was very attentive to our needs. Civic as a lender has a very seamless process and closes fast
Scott is excellent!!!!! always available and always pushing to get the deals done as soon as possible
Solid underwriting, clear terms, fast closings
Justin is very responsive and pleasant to talk with
Melissa and her team are truly amazing. They worked hard during Thanksgiving holiday to ensure my files are taken care of and went above The call of duty I have received such outstanding service. Merci
She is polite. Patient. She is reachable
This is our second transaction with Civic (Peter Kramer) and we couldn’t be more pleased. Thanks again for all you do to help us “make it happen”!
Joshua Haddad went above and beyond to close my deal. I would recommend him to any one doing a rehab fix and flip. He is extremely knowledgeable, and very responsive. every email and call i made to him, he responded […]
They are great to work with and communication is awesome
Ryder and Monica were wonderful to work with! From my first call until closing, the process was smooth, there were no surprises. All requirements were laid out clearly. Complete disclosure and professionalism. Thank you!!!
I felt the team was fast and responsive
Excellent customer service!
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
Chris Rosas and David Levine are the best combination in the industry. We have several more submissions coming this week.
Matt is a pleasure to work with always upbeat and helpful
Level of expertise, commitment, responsiveness and ease of use
Chris and Jim were amazing!The Team ( Jenna and Rebecca ) were outstanding in processing and the underwriting was crazy quick. Would for sure recommend Civic!
The whole process is going smoothly.
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
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 […]
Fast approved, available all the time day and night.
Easy process and closing. Randi is amazing to work with.
Excellent I highly recommended
Talar was amazing and was always there with updates.
Another smooth Transaction with Civic!
Peter Edmunds is fantastic to work with he gets on a file and keeps pushing always available even though there is a three hour difference in our time zones.
Rance was very helpful throughout the whole process. Great service
Rance Brown was great services, fast, helpful, and make it easy to understand. Love working with him again on the next projects
Great communication and quick close
It is always a pleasure working with my Civic Team, Arnold, Jenna, and David, they are consistent with their support and always readily available to assist. Thank you!
Second loan with Civic, and service is just as good as the first! Thank you guys for the amazing service and fast closings!
Thank you for a great experience at Civic. Smooth transaction. Dan worked with me from start to finish answering every question I had. All staff emailed promptly and all docs were in order in a timely fashion. Will recommend to […]
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 […]
Jame was real helpful and the process is Simple and Quick
Great, reliable, speedy service
Matt is the best to work with!
Great loan structure
Good, quick, easy to work with
Nate Wolosiewicz is the reason you get a 10!
Arnold was great. He answered all my questions in a timely manner. I will definitely be doing business with Civic again
Civic did it again! One more happy customer.
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.
CIVIC is one of our most thorough and responsive lenders. 110% recommend them to other builders and developers!
Ben S was under pressure to close this loan on a specific date, and he did everything, above and beyond, to get us to that closing date! Another job well done. Thanks to him and his team – Vanessa & […]
Great Company TO WORK WITH!
Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!
Quick and Easy! Peter was the bomb. com!
My investors loved working with the Rommel Team. Kendra, Leslie and Corey are reliable They make the process easy and quick. Thank You
Super responsive, really accurate on the scenario quote reflected- stayed consistent from beginning to end, Matt is super proactive and is very clear on explanation and requests so there are no contradictions. great to work with and will always find […]
Customer service was wonderful
This is our second Loan with Civic and we are just as pleased as we were the first time around. Thank you so much
Rates are low, I also like the Home Depot discount
Wade La Rouche and the entire Civic Financial Services Team were terrific during all steps of our transaction.
This is our third hard money lender and the closing was so smooth. Thank you!
Very helpful staff
The process was simple and fast! Loved working with CIVIC!
Randi, is awesome! She makes herself available by phone, text, or email which makes it very easy to get in touch with her when needed. She answers questions clearly and concisely and she stays on top of her loans. She […]
Matt was very helpful in completing this transaction. Would not hesitate to recommend him to another.
Rock team of ladies!
Excellent service and fast closing. I really recommend Civic. My financial agent was super great and very knowledge. Thank you Naxa hone group LLC