CIVIC is your local Reno 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 Reno 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 Reno 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 Reno.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Reno 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 Reno private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Reno 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 Reno 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!
Excellent communication, timely responses, clear cut terms, and they were able to meet my needs
Ben and team were very helpful and supportive
I have worked with Melissa on Closing a few properties now. She is great and always on top of everything needed from title and is very professional to work with!
Very helpful in getting my investment LLC going
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
I would recommend this co. to anyone that needs fast service, and reasonable rates. I appreciate Chris Rosas for his fast and helpful service. Thank you
I received excellent service and a speedy closing hassle free
Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!
Very professional, transparent, smooth process, and a quick closing. Delivered as promised!
The cordial staff, and the quick responses made our deal happen fast. Thanks!
Thank you for all your cooperation!
This was not our first rehab, but it was our first time working with a hard money lender. We chose CIVIC due to their excellent rate and rehab loan program and the comfort that we felt with our account executive […]
I wish all my deals could be done by civic, Scott vincenti is the best rep. I have dealt with
Civic has been a great partner on the lending side of our deals. We are extremely satisfied with their speed on the analysis and confirmation on their interest. Also, the underwriting is very fast
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
Exceptional lender. . . . they actually did what they said they would do, which is almost unheard of amongst lenders! Straightforward, fast, efficient and honest. . . I have worked with real estate lenders for over 40 years, and […]
Justin and team made everything associated with this loan process so straightforward and efficient. I really appreciate that
Great Account Executive, Melissa Salinas! She makes this partnership a whole lot better. Thank you for all the great rates and process you provide
Absolutely tne best! Marco and Corey are top notch professionals, tney refinanced my house in 2 weeks! Closed on time, excellent communication, went above and beyond my expectations and I would highly recommend them and use them myself in the […]
Jackelyn is one of the better Mortgage Consultants I’ve worked with in a long time. Calls/emails were always return with precise response. Under promised and over delivered. Her support team is amazing and a played a major role in my […]
Loan team had wide breadth of understanding the loan process that allowed them to move quickly
Melissa and herteam great to work with Thank you
great working with John
Acct Rep was outstanding
Justin, Leslie, Dianabel and the rest of them pulled the impossible! I had a hard, quick funding deadline and they made it happen. Team work made the dream work. A lot of different tasks from other departments to complete, but […]
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!
Very quick and efficient
My account manager made the entire process so easy it was great. The customer service provided made my transaction process run very smooth
Easy and transparent to work with!
Mariam and Lillia are great
Great service and products
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
Eli is amazing. Great communication
Civic Financial Services does a good job processing loans for us. Their pricing is fair and they close quickly. I’ve closed many loans with Jackie Gonzalez
Patrick Morgan with his team Monica Hawley and Jose Lopez did an awesome job as always coordinating another great transaction for my client. They are always consistent in their process and have always pulled through for us which is why […]
Civic Financial is easy and very professional to work with!
I recently closed on a transaction that was smooth which is very important to me our reputation with RE agents that bring us deals. I feel I can trust the folks at Civic to deliver what they said on time […]
Civic came through and was able to move quickly. Eli was excellent throughout the whole process. He is the sole reason for this 5-star review and I would recommend him to anyone.
Tedd G. is the greatest. Extremely knowledgeable, helpful, and for a person as busy as he must be he is consistently very prompt in responding to calls, emails, etc.
I felt the team was fast and responsive
Daniel Molina and Jose Lopez were great! They helped make this 1st loan I have brokered in 10 years easy and quick to close
Every one on the team had to put their best foot forward to close this transaction and no one gave up, it was extremely challenging. We all stayed the course and closed. David, Arnold, and Jenna are excellent to work […]
Great lender with overall great products. My account executive Jo Jones is the best!
Brian has been a tremendous help! I would highly recommend him and your company to my fellow investors
I have to say this was a great experience overall. Mike Farley was a tremendous help with all questions we had and really guided us through the entire process! We will definitely be recommending CIVIC to all of our friends! […]
My investors loved working with the Rommel Team. Kendra, Leslie and Corey are reliable They make the process easy and quick. Thank You
Jacquelyn is awesome!!!
Matt came thru even with all the delays from the buyer. Did a great job!
This is my 2nd loan through CIVIC FS. I’m a return customer by choice! This loan went through even faster than the 1st and the application for a repeat customer was short and sweet. I love their terms and the […]
Everyone has been very accommodating and helpful throughout this process. To be able to have direct lines of contact to communicate freely and accurately has been invaluable. Kendra, Justin, Leslie, Kailyn, Jennifer and the rest of the Civic Team are […]
All roads lead to Civic Financial when looking for a lender who will loan over 75% for Hard Money. Unlike the typical private lenders who want higher interest rates and points and will only go 65% based on an appraisal […]
The closing was super fast. From beginning to end my loan was closed in 8 business days. It was such a easy process. I will definitely use them again!!!!
Always able to contact and very helpful with paper work.
Great company! They worked hard and made sure everything go smoothly. Marisa, Jose and Dan all did a great job this time. We are very pleased! Thank you all for the hard work. We look forward to work with them […]
The young man who helped me through my experience with Civic was like someone I had known a long time, he was full of knowledge. I have recommended others
Jackelyn provides very good professional services and it would be different without her.
Will recommend this to anyone needing financing. Experience with our assigned account executive overall has been very positive and efficient
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
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 […]
Chris and his team makes the funding process so easy
Civic consistently delivers exceptional service. Jacquelyn is priceless! We are 100% satisfied
Great company. This is our 3rd transaction with them. Jim and the team was supportive thru the whole process.
Peter Kraemer was great to work with. Highly recommend
Great team, easy to work with and responsive
I am giving 10 because: you know handling time matters; it is very relevant to me. Efficiency is relevant for business. Rance and his team and Civic in general provides elite customer service
Great experience. Very happy with my experience
Rock team of ladies!
Randy was really helpful to work with. She always kept me informed of the process. I really would highly recommend her to my friends and family
Pretty simple and straight forward process. Not a lot of red tape and communication throughout the process was on point
Great experience. Civic was easy to work with!
Michael Braswell was diligent and time efficient on getting both files closed given the situation.
Jennifer was very attentive to all my questions and concerns. Great follow up. On our recent Purchase borrower wanted to go with a competitor but Jennifer responded extremely well that Civic would exceed all expectations and you did. My borrower […]
Thank you Matt and David for everything. On to the next one!
Rance was very helpful throughout the whole process. Great 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
Matt is a pleasure to work with always upbeat and helpful
Kendra and her team are amazing and professional!! They saved the day. . . 8 day closing !! Kendra, Leslie and Corey Thank You!
I presented a loan that was too difficult a challenge for several of your competitors. It was difficult for Civic as well. However, the loan officer, processor, and underwriter were patient and determined. We all believed this was a viable […]
Quick, friendly service, Anthony is always there to help with any situations that arise to help get the loan closed.
Competitive rates for real estate investments. Great customer service
Great Job! Thank you for all your help!
Another smooth Transaction with Civic!
I can’t tell you how happy I am to work with Civic. My previous broker took over 2 months to close a simple deal. Civic closed this in a week and a half. I will absolutely use them in for […]
Great guy to work with. I hope to work with him on the future.
Quick service, great communication, easy process.
I’ve been using Civic financial for over two years now and Will Dodson is one of my favorite Account executive’s of all time. . . . . he’s courteous , knowledgeable and get things done on time. I would highly […]
5 stars: Excellent Loan company! Great rates, smooth closings etc. . . always a pleasure to do business with. I’ve been working with Whit as my loan processor for a little over a year now, he’s been nothing but professional. […]
Great service all the way through
Fast close, easy to work with 🙂
I am leaving this rating because of Justin, Ally, and Becky. They make an extremely efficient team and Im glad to have them on my side
Good sense underwriting and favorable terms
My AE is the best, Melissa Salinas, and the process is pretty expedient if all is submitted completely
Civic really helped us on securing our first deal. They were very patient with us and help us till the end. Everything went well, from the point to the interest that they charged us. I will definitely use them again […]
Jack Lupo is awesome! Smooth process from start to end
Very responsive. On top of things. Great communication with insurance agent, escrow
Quick turnaround, competitive rates & fees
I’m very pleased with the professionalism and timely way the loan was structured and handled. Jacqueline and her team were excellent. Thank you for making it happen
Very responsive & helpful
I was skeptical, but everything went really smoothly. Great communication. Closed very quickly.
We absolutely loved working with Civic!Our broker Blake Rogers agreed to meet us in person and we were very impressed with his knowledge, responsiveness, honesty, and genuine understanding of what WE needed, and try to work with that. We were […]
Unbelievable FAST! 2 weeks deal close! Thanks Janes Hatcher
Awesome work with Jack Lupo and his team.
My rep Jennifer was amazing with walking me through my first loan with Civic
I had a great experience with Civic, excellent service
Great service as usual
Very fast close even with some unique problems, always prompt communication and expert knowledge of the process
Great service and follow through. Have already referred other investors to your company.
Seamless and organized loan process
Civic is consistent with their high level of service. They always come through for me and I look forward to continued business. Big thanks to Melissa who is the best Account Executive anybody could ask for!
Excellent communication throughout entire process. Very efficient
The service went beyond expectations, always excellent and professional
Fantastic follow up. Good rates. Strong customer service
The experience was great, from beginning to end!
Great communication with my rep Nate
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
Rance and Rebecca have provided the most efficient service. It was a worry free experience for me
Highly recommended. They are professional, diligent, and courteous.
I’ve had an excellent experience with Rance, Rebecca, and Jeremy. They are quick to respond, work with me to find the right loan, and communicate well
My experience with Civic was smooth and fast. My AE Chris Rosas was in constant communication throughout the loan process.
Very prompt and efficient process!
Excellent service! Very impressed with Eli’s professional service.
As in Independent sale office,the Civic Financial ‘Services” team gives us the tools, insight to overcome obstacles,education for a smooth underwriting process and eventually close and bring value to our clientsSpecifically, Jackelyn Gonzales and her team including Rebecca Potter and […]
Great communication. Arnold is Awesome
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
Great experience! Very pleased with Eli! Fast response, always cordial, professional and friendly. Process with Civic is very easy and hassle free
We, at 316 Capital, have had a great experience with the lending services from Civic Financial Services. Working with Cameron and David has been a very easy and fluid process. Because of the excellent closing process, we are looking to […]
Excellent. I would recommend to anyone.
Tony and his team made their loan process painless! This is my second time working with Tony and you can bet I will be coming back!
The speed /quickness is important
Extremely professional! Look forward to doing business again in the future
Bijan did what he said he would do. He and the support staff were very accessible, which helped make for a smooth, quick closing.
Because they are awesome! Closed our loan efficiently!
Great cuatimer service. AE just great . transaction was closed . customer was happy
Every closing we have with Civic has been a great one!
Closed another one with Jackie at Civic!
Excellent service and fast closing. I really recommend Civic. My financial agent was super great and very knowledge. Thank you Naxa hone group LLC
It was a pleasure working with both Civic and Cristian Gonzales. They made the transaction easy, smooth and fast. Despite having significant back and forth with the seller. As a hard money lender they will be my go to lenders. […]
EXCELLENT COMMUNICATION. FEEL LIKE YOU GUYS ARE ON OUR TEAM.
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 […]
Communication is off the charts and definitely exceeds expectations. Not once did I have a question that wasn’t already answered. Not once did I have to reach out for status. Communicating via text, email, phone calls, and with lighting speed […]
Civic Financial Services handled my transaction with a high level of professionalism and speed. Their processes are streamlined, which for a customer equates to a high level of confidence and security that they will do what is promised. And that […]
George Jones and staff were very communicative and helpful in every area of the transaction. They saved the client from losing $30,000 in escrow. Thank you!
Greatly enjoyed every step with Savannah. She was quick, welcoming & happily took care of everything I needed! Wish every business transaction was as smooth & professional. Needed money fast to secure a home & Civic got it done. Thank […]
Quick turn around from start to finish
Michael and Monica were awesome
Great people. . and work very hard to get you the best deal
Buyers are Very Happy!! And will definitely do business again!!
To express my confidence and trust with my account representative, PaigeObradovich. She’s there whenever I need her to solve an issue. She responds promptly and is very knowledgeable. Truly professional
Personable service, quick responses and accurate information.
Civic got the loan done in a timely manner , nice professional service!!!
Ben and team have been great! Thank you
Jack Robinson is amazing, he works side to side to help you close on time. Great customer service and he cares. . . I am bless to have him as our account executive. Thank you. 10 Deals closed this years […]
These guys are the best hassle free and fast
Because you worked with us all the way until we closed providing all the support we needed
AE Kevin Victoria is very helpful to work with
Thank you for assisting my client with this loan
Turned around my funding request pretty quickly. Easy to work with. Good rates. Have already recommended you to another investor
Anthony has been a pleasure to work with
As I had mentioned it to Kendra, our loan officer, we enjoyed the experience. It was painless and Civic delivered on what they promise. Their team is on top of things and move the process along quickly. As far as […]
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
The experience I had with CIVIC was much more pleasant than Patch of Land, they are able to close on time and does not deviate from the terms that they quote
John Ridderman is outstanding in his service. The overall quality of service is also excellent. Great lending resource to have on hand!
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 […]
Excellent service and experience
It’s only been 10 months and we’ve had 5 loans with Civic. Last week we were holding 3 properties with the lender and our team at Civic (Brian, Kailyn and Mike) have held our deals through to the last inch […]
Everything went well and everyone is very professional
I had very good experience working with civic lending. Most of the things that I like is their prompt response & action. I would recommend to others .
Professional service for the rep / Bijan and from financing / Jeremy through getting my account set up to close. Communication from others within the company (good follow through). Also had to scramble and actually closed in 1 Day -amazing. […]
Blake and Jeremy did a fantastic job in getting our loans closed in rapid fashion
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 & […]
Chris went above and beyond to make this deal happen!
The list of products you offered are more than most lenders and your service is excellent and fast
The loan closed on time
The service by Wade LaRouche was extremely professional. He gave diligent answers to all questions and made himself ever available. He and Teresa Esquivel went above and beyond to make my deal happen
Civic was promptly funded our deal when it’s ready. Especial mention to Marshall who personally assist us to our transactions. Hopefully we’ll be working more with them and will definitely recommend to other investors. Mahalo!
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 […]
The Team at Civic provides me the opportunity to best serve my Clients. I appreciate my AE rep Manny.
Fast service. Minimal paperwork. Great team overall
Job well done. My clients are very happy.
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!!
Another great deal
I worked with Ryan Snep and he took my clients deal from start to finish very quickly and smooth!
Ben is exceptional, and makes the process feel seamless and efficiently quick. He is always there to assist if there are any questions, even when it may be something outside of his department
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
Marco and his team are great!!
Randi was a pleasure to work with!!
Melissa and her team are amazing and great to work with always go to extra mile to help and resolve issues I am very pleased with amazing service and being treated as the most important customer. . Thank You
Nick was great and very helpful. Communication was excellent and he was on top of the process every step of the way.
Just another stress free transaction with Civic!!
Bijan is excellent loan officer. He is caring, he is a great sales person, he has great knowledge on loan products. He also goes the extra miles to inform me deals etc. He is very easy to work with and […]
Good organization, fast response, deep experience
The confidence and professionalism of the company and especially my Account Executive Mr. Matt Marky is exceptional, like no other I have worked with in the business over the last 20 years
Jackelyn and Rebecca were excellent and efficient with our transaction!
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.
Great communication and quick close
Past business experience with Civic
The entire team is focused on one thing. . . . getting the loan funded quickly and addressing all issues quickly
Civic was a pleasure to work with and helped fund a project for my business within a very short timeframe. I would highly recommend!
I was thrilled at how quick and easy Civic was to work with. We were even able to close early. Thank you Dave Rooker for helping me get this going. I look forward to a long relationship with Civic. Before […]
Wade was wonderful! He was always one step ahead and made the transition run smoothly. Will definitely use Civic FS again in the future