Another SMOOTH Closing with CIVIC This is our 3rd deal with CIVIC and we loved the experience. Our Account Executives, Melissa S. and Michael H. were super! Took care of every detail, were great at communicating and moving the ball forward. This was another smooth process though we were in new territory with this type of loan. Thank you, CIVIC!

Justin and his team were amazing during… Justin and his team were amazing during the process of getting our loans and refinances. They were on top of getting all of our paperwork in as fast as they could. On our last transaction we ended up closing within a week. They always kept us in the loop with every step within the process. Justin is a solid mortgage/financial advisor and more importantly a genuine person. Highly recommended. Thanks again for all your help!

“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

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.