Loan papers were incorrect for the… Loan papers were incorrect for the program chosen. Decided stay with that program which modified some of the paper work, which created some negotiation at last minute. Escrow was to forward the loan documents at close, 3/19, but as I understand FedX will deliver 3/21. Why delay? Justin Cohen deserves the 5 star rating.

DO NOT DO IT!!! DO NOT DO IT!!!! ON CLOSING DAY, DURING FUNDING-UNDERWRITERS PULLED OUR DEAL BACK !!! AFTER I HAVE ALREADY WIRED THEM OVER 70K IN FUNDS. THEY ARE TRYING TO HAVE ME BRING MORE MONEY TO THE CLOSING TABLE; OR CHANGE THE LOAN TYPE! WE GOT A CLEAR TO CLOSE, SIGNED ALL PAPERS AND LOAN PAPERWORK AT 7PM LAST NIGHT; EVEN HAD A MOBILE NOTARY COME TO MY HOME TO SIGN!!! AND EVERYTHING! FOR THEM TO DO THIS AND PULL OUR DEAL BACK 30 MINS BEFORE RECORDING. IM LOOSING 5K IN DD DUE TO THIS. UPDATED: Jan17,2023 This company, dropped the ball on my loan and pulled the deal after docs were signed and after I sent my funds. Now I have Fay servicing calling me saying I have a loan with them for the homes civic financial declined to close the deal on. This loan never closed and I now I’m getting calls from the “would be” mortgage company regarding monthly mortgage payments!!!!

Civic financial is the biggest scam… Civic financial is the biggest scam company. They cost me thousands of dollars on a deal they promised they would close months later a week prior to close they come with they need more information. Absolutely the worst lender I ever worked with. All the would say was just push closing another 2 weeks until finally the seller backed out. Do not use this company you will regret it

Avoid.. Avoid... Avoid... Beware of Civic Financial Services especially the NY location. Liars and Crooks, they told me what I wanted to hear at the start by answering my questions, then as closing date was set they changed all the rules. Tried charging me over $12,000 in closing costs, only to put in their pockets. As I began to ask more questions before the official closing they lied to me again. Was informed on the closing date that the only way I had access to the funds I was borrowing was to request draws. I had to personally pay for all the renovations and contractors to do the work out of my pocket, then request the money back via draws. If I had the money already I wouldn't need a lender to borrow from, so why borrow the money and pay interest if I must pay for all the renovations upfront with my own money. They are very shady and crooked. Proceed with caution, better yet just avoid altogether!! They don't want to talk with you on the phone, they make it quick and never call back.

Civic is a real company but can improve Civic kept pushing back the loan and finding more reasons to not close my deal. After many promises to close week after week, I finally closed after 4 months. I feel civic needs to streamline their process and have better communication and accountability within their group. They are a legit company at the end of the day and I hope they are improving their process to get their loans closed in a timely manner.