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!
Fast close, easy to work with 🙂
Chris and team were available for questions and did a great job explaining the process
Personalized loan products, clear and controllable application process, and quick loan close. The local account service is also first-rate.
Wonderful experience always
Great lender, easy to work with and fund fast!
Jackie and Rebecca were wonderful keeping my husband and I informed on the whole loan process, and very professional!
Every closing we have with Civic has been a great one!
Bijan was very helpful and informative throughout the loan process. We’ve worked with him before and he helped us throughout the loan. We have worked with Bijan for a few years and he has been very helpful, honest, professional and […]
Jackie is great. Very quick, no issues. Closed 4 loans so far. . . . . will use them again.
The most trusted hardmoney lender in the business
Everyone at Civic was exceptional on the recent cloaed transactions.
Justin, Ally and Marisa are all BEASTS!!
Jackelyn is excellent to work with. I appreciate her transparency
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
Another speedy closing.
Brian and Kailyn were a pleasure to work with, their communication and responsiveness was amazing. They made the whole process quick and easy. I look forward to working with them in the future
Just a very pleasant easy experience, The staff worked professionally and was very efficient in getting things accomplished to an easy closing
I love Civic! Quick, Professional and Courteous all at the same time. . . .Yessss!
Good experience with Jack and Michael. Looking forward to another loan
Best company I’ve ever worked with.
Jason was very professional. He worked really fast to get the deal done. He walked me through the whole process. I will use them again. I am very satisfied with the service
Jack, Aly, and Michael are awesome to work with. Constant communication throughout the entire process which is huge. There was never a time in the process when we didn’t know status of our file
My rep (Jackie) and processor (Rebecca) are fantastic!
Matthew Rabinowitz did a great job closing my first loan with Civic, I will continue to do business with Matthew
Great employees and product!
Justin and his team were super professional, knowledgeable, always a step ahead and most importantly, honest. Highly recommended!
Speedy and friendly underwriting.
Working with Brian is great, he’s very responsive and works to get deals done despite any hurdles we have faced.
Civic’s rates are very competitive and we don’t have to worry about surprises at close
When a problem arose, Jack never said “Sorry we can’t do the deal. ” He went out of his way to find solutions
Working tirelessly to close a very difficult loan.
Bijan was very informative and transparent from beginning to end. I have spoken to quite a few hard money lenders and felt most comfortable with Civic. This is largely due to Bijan and his ability to explain the entire loan […]
Great service and seamless experience. I consider Justin and Aly my friends
Excellent pricing structures and low fees
Outstanding customer service. Davis was always on top of everything. It was a seamless process. I will recommend Civic (and Davis) in a heartbeat
As always, great experience working with Michael at Civic. Great team!!!
The whole process is going smoothly.
It’salways a pleasureto work with Civic Financial !
Justin did a great job all around. Got the mortgage done in a short amount of time and maintained great communication throughout the process
The requirements and process were clear from the start and it’s been a great experience. Civic team is so professional and providing updates and answers to questions at every step of the way
Received great customer service from all parties involved
Civic Financial is second to none in providing quick and reliable lending. I was presented a property opportunity but needed a cash out refinance done in 4 days. Ryder Byrne and Michael Hoyt pushed it through quickly and with very […]
Very good service. I especially appreciated the help from my account executive Michael
Excellent service from Rebecca and Jackelyn. Always available to solve and issues or concerns
Great processing experience with great terms and rates offered
The process was smooth and expedient. . Thank you, Melissa Salina and Michael Hoyt for your help and diligence
Ivan Oberon is extremely responsive and made the process as smooth as possible. Appreciate it
Have closed three loans and each time every effort has been made to close the loan ASAP
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. […]
John is great to work with!
Always a pleasure to work with you guys. Thank you Eli for the quick process
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 […]
I like working with Civic. And I always recommend to my coworkers
The loan company offered its constant support to close the business. They were very open with the information and very quick to solve any discrepancy.
We had a great experience and Wade helped get everything together. He went above and beyond to walk us through the process and get it done. Very satisfied
Very easy to work with, knowledgeable and very proactive. . Jackie and Rebecca know their stuff and go the extra mile to make it happen
Great experience. Chris was great to work with and got the financing done fast and without issues. Would recommend without hesitation
Nick Flowers is always the consummate professional and a pleasure to work with. Glad to work with him and the Civic Team
AMAZING SERVICE AND HIGH INTEGRITY! NO “BAIT AND SWITCH” TACTICS THAT I HAVE EXPERIENCED FROM OTHER LENDERS. THANK YOU!!! I WILL RECOMMEND YOU TO ALL MY CLIENTS AND ASSOCIATES
Blake Rodgers is the best. His service, integrity and knowledge is top notch.
James and his team are great to work with, they went out of the way to make the process smooth
Broker was very helpful – underwriters were very careful and methodical and made sure that all of the specifics regarding my property and loan were accurate
Easy process. Staff was great to work with
I Give Jack Lupo a 10 star rating he is professional and knows his business my clients are very happy with the rate. Any future transaction will be with Civic Financial. They all came to getter to help me with […]
Civic offered me a great niche product and outstanding service to boot! Matt did an excellent job of communicating!
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!
Melissa Salinas and her team is awesome. Very helpful and prompt. The process was smooth and they are very good at keeping me inform. Everyone was very friendly and professional. I would recommend Melissa to anyone who needs a hard […]
Ease of doing business, agile responsiveness, and consistent professionalism
No reservations sending a deal over to Civic Financial. They are quick, well pricing, and aggressive when it comes to getting deals closed!
Fantastic follow up. Good rates. Strong customer service
Great service, very knowledgeable
They live up to their word.
Very smooth transaction overall
Ms. Lauren was diligent and professional in handing my home refinance from the beginning to end. I commend her and also her team for that.
When the non-QM loan I had been working on completely disintegrated and disappeared, Civic and Eli were there to help me get a very important ReFi to the finish line. In a matter of just over two weeks, Civic took […]
This was an emergency situation and I need to refi quickly before my other mortgage ballooned – CIVIC came to the rescue like a government bank bail out and they delivered fast without any hassles!
Great communication throughout the process. They also work very hard to get the deal done even when obstacles pop up. Justin and his team are knowledgeable and fast with getting to the closing table
GREAT JOB CIVIC
Melissa is the best!
Good to work with and competitive rates
My team and I had had a great experience, The loan closed promptly and went thru just as promised and expected. Matt and his team kept us in the loop the entire process and we never felt left in the […]
Because of our relationship with Ben/BDO
From start to finish Jack and Vanessa were absolute professionals. They did a outstanding job!
Best company to work with. Fast, and great rates
Great job Jack! Thank you!
Cause Jackie & Becky Rock!
Good rates and good communication
It’s always a pleasure working with Civic
I would recommend Civic Financial to everyone I know in the business BECAUSE of Matthew Marky. Matthew has a strong work ethic and goes above and beyond any Rep. I have worked with in the past 18 years in the […]
Fast fundings 🙂
You guys did good and it worked out. Thank you
Civic and Tedd Gerstenfeld really came through for our borrower. Even over a holiday weekend which was a bit challenging, they got the loan closed. Our borrower is thrilled.
Really, it is the person I work with that makes Civic so worthwhile. Wade LaRouche was right there for me all the way through a couple of transactions that required diligence and hard work
Blake and Jeremy did a fantastic job in getting our loans closed in rapid fashion
Excellent fast service, did what said would do. Excellent financing option for investors!
Awesome AE and new Account manager handling this file to get closed as quickly and easily as possible. I appreciate it
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
Because Justin and Chelsea were great throughout the entire process, they made sure everything that needed to be done got done and that it was a extremely smooth process
Great prices in comparison to other home renovation loans. The more loans you close with them the faster they get. Good team. Dave Rooker is awesome!
The contract to close was efficient. My buyer changed lenders a week into the process, which put the process a little bit behind, but we got it done. Some of the communication was misunderstood and the cash to close was […]
Civic is Great!
Civic consistently delivers exceptional service. Jacquelyn is priceless! We are 100% satisfied
Melissa was a pleasure to work with. She was on it from day one, and helped me stay within our timeline. Michael was great as well
Always good to work with Jackelyn and Rebecca.
Rance and everyone at Civic was great to work with. Very professional, communicated extremely well. They were on top of the process from start to finish. I am looking forward to working with them again in the near future.
Excellent. I would recommend to anyone.
Jackelyn was so good !
The loan closed on time
You guys rocked! Thank you!
Fast communication, streamlined process
Marshall and Monica were so prompt in responding and kept our closing date in mind the whole time
Eli was amazing to work with. Great communication, look forward to closing more files
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
Great lender with overall great products. My account executive Jo Jones is the best!
Rance, Jeremy and Rebecca did an excellent job in handling the transaction. I appreciated their due diligence, frequent communications and extremely professional handling
Marco, thank you for the closing gifts and most importantly your close attention to detail. Most importantly closings in a timely manner! Great job! We’ve had 3 account executives with Civic and I think we only closed one deal with […]
Level of expertise, commitment, responsiveness and ease of use
Justin is my guy! He always comes through for me EVERY TIME!! Wonderfully reliable to work with!
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 […]
Very good at communication and staying on track
Very easy to work with, I tried a few other Mortgage Companies and Civic was by far the best to work with.
Quick Service, on-time closings!
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 […]
I was working with Justin and he is amazing. Very professional.
Very smooth closing
Another great transaction with Marco and his team. Got more coming, thanks for everything!
Our account executive, Jack, kept in contact with us through all aspects of the lending process at all hours of the day and went above and beyond to help us understand and navigate the process and to be prepared for […]
Very happy with the speed the transaction closed. Dave Rooker was very helpful and responsive, ensuring everything was ready on time
John and Jenna were very easy to deal with and did a great job keeping in touch with me on any updates. Thanks for your business!
Tiffany was extremely helpful and patient with me. This was my first time doing an Refi so I had many questions and she was there every step of the way
I love my rep: Eric! Super awesome company and rep. He helped me so much. I wouldn’t have closed deals without his help
Jackie and Rebecca are amazing!!I Love working with them. Super fast turnaround.
Brian was very helpful and patient with me and my client. I will bring more business to Civic FS. Thank you
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 […]
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!!!
Justin, Marisa, and Ally are such a great asset to have behind us. This deal was very unique, and not sure we could’ve gotten it done anywhere else!!
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 […]
My AE is one of the best in the business
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
Daniel Molina’s attention to my account was exceptional
Great Service, Fast closing. . . Can’t ask for anything else. Thank you for all your help!
Great communication and availability
I had a FANTASTIC experience with Peter Kraemer with his patience, care and expertise in coaching me during my very first project. If he was unavailable when I reached out to him, it wasn’t long before I received his follow […]
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
Rance and Rebecca make getting a loan so easy and smooth. During times like this, it’s good to know my loan will close!
Professionalism and efficiency
My AE Melissa Salinas and AM Michael Hoyt, make this process and experience Awesome! Just Professionals and understanding
I had a supportive loan officer and staff through out the whole transaction
Speed, communication and aggressive products.
Will, Aly, Marisa and the rest of the team at Civic are absolutely amazing. They are by far the most efficient lenders I have worked with. Thank you for all your help. I look forward to doing A LOT more […]
Fast, friendly communication and service!
Marshall is so easy to work with and strives to get us the best rates he can, while balancing the needs of his team too. He handles others stress well and has a grounded nature that makes the whole experience […]
Awesome AE, Peter, and team at Civic. Great communication throughout the process
The upfront, honesty, sincerity, and quick responses. Not to forget Tammy’s constant updates!!!
Great experience and everyone was very professional
Josh was wonderful he always called very professional he is a great representative for your company!
Awesome Team! Kept me informed and they were very responsive. Look forward to working with you in the future and beyond
Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 10 Stars to my team!!! They deserve raises and promotions :)Love the Broker portal, it makes […]
Chris Lushina is a mover & a doer. His skills in product knowledge which best fits his clients needs are excellent. His ability to communicate to us even during ruff times with loan issues always gets the job done. He […]
Arnold at Civic has been Awesome to work with
Michael was amazing, he was there for me every step of the way. He was always available to answer the phone including nights and weekends. Civic does things the right way. Seriously the best
GREAT COMPANY AND JOHN IS THE BEST WE CLOSED FAST 7 TO 10 DAYS
Justin Cohen was my Loan Officer and from now on is my Loan Officer. He helped me to buy my first investment property. I am totally new at this. He was very patient with me from the beginning. He explained […]
Good service, easy to work with
Great Work! Did what they said and were very honest. No hidden fees. Highly Recommended
Great company that always makes it happen Jackie and her team are professionals!
Jack, Vanessa and David were a pleasure to work with as always. I can always count on them to close my deals on time. They are organized and professional. You won’t get anything but the best!
Rance was great throughout the process even with glitches that came up during last days of closing.
Loan terms and rates are the best in the business. Better understanding of values and renovation game plans then most lenders.
Because I have an awesome rep!
Works well with buyers
Fast response, quick close
Because Jackelyn walked me through everything
Marshall and his team were very good at explaining the process and helping me to move forward with the transaction. I am much more comfortable now with the borrowing process and will definitely use them again.
Kendra was great even when we had to re-do everything! Great job!
Daniel is awesome to work with. He is very professional, and we enjoyed working with him. We hope to work with him for many more deals in the near future.
Prompt Service and timely attention to the needs
Justin Cohen is the best broker I have ever worked with, on every level
Team went out of the way to make deal work and process is very streamlined
I have already recommended Civic Financial Services to my friend that’s needs to remodel there home.
They were very fast and Steven is always right on with everything he quotes and gets deals moving along
Our broker partner is always there to help and takes time to explain. His underwriter team in California are ALWAYS a tremendous help to making sure we have everything on file and amazing communication.
Awesome company, fast, and competitive rates
Awesome company to work with.
Great working with Eric, always on it
Great customer service!
Eddie is great – fantastic communication and followthrough has led me to trust him. Really appreciate that. Jose also has been great to work with on the execution part. Also appreciate Eddie straight telling me he couldn’t do one other […]
Very prompt and efficient process!
Great financing company!
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!
Matthew Rabinowitz was extremely helpful in acquiring our bridge (gap) loan. He is very knowledgable in his field and was always available when we needed him. We will absolutely use his services in upcoming debt structuring. We would definitely recommend […]
Everything was professional. My deadline was foremost in their efforts. The terms were as discussed with no surprises
Peter Kraemer was very responsive and helped work the conditions to get the loan closed.
Speed in the loan process from start to finish. Excellent rep support; Processing, UW and Closers are great to work with
Dawn Beauchamp is a rock star ! Great communication and quick response
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 […]
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 […]
Because I love my rep and processor!
Like always, Justin was 10/10!