Beware of Civic Financial… I am currently trying to get a loan with civic as we speak. I started with them on 6/15/22 and I am still trying to get it processed today 9/15/22 this is a very dishonest company Henry Carr will not be honest and upfront with me, he charged me 600 for an appraisal that cost 450.00. My business has went upside down and I have fallen behind using these guys! BE CAREFUL AND AWARE OF THESE GUYS!!

1 star too many-RUN Unprofessional Bad Business 1 star too many. RUN-DO NOT DO BUSINESS WITH CIVIC. The worst financial service company I've ever dealt with. They have had my loan since December 2022 and no one even had the courtesy to respond to my emails for a follow-up regarding my refinance after I've paid over $1200 in appraisal fee's. I've emailed the underwriting manager Daniel Molina called customer service to simply get a reply and no response. It was supposed to take 30 days. I had the pre approval. The Appraiser confirmed she made a mistake on the appraisal stated she would correct it at their request and they did not even submit for corrected appraisal. They will give you the run around and undeliver weeks at a time. I will be filing a complaint under the FHA, HUD, and BBB. Still ongoing.

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 Financial - My Lender of Choice for Client Referrals I am a Senior Asset Manager at another lender, and Brian Fung is my go-to guy when it comes to referring my clients to him who are approaching their maturity dates. Brian has refinanced at least a dozen of our loans. Not only has he impressed me, my company, but our mutual clients. Brian goes above and beyond to meet our mutual client's needs. Most importantly, he is ALWAYS available. I look forward to continuing to work with CIVIC and Mr. Fung.

“Exceptional follow up and execution… “Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 6 Stars to my team!!! They deserve raises and promotions :) Love the Broker portal, it makes the flow of what we do a million times easier so everyone can focus on completing tasks and getting on to new business. Much appreciated and gets easier and better to work with Civic as we grow together. Pamela Kimble, BRE Capital & Investments, LLC