CIVIC is your local Houston 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 Houston 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 Houston 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 Houston.
The reason we exist is to be an alternative fudning source to traditional banks and provide capitol to Houston 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 Houston private money lender, we typically encounter only a few different types of investors:
Risk, risk and more risk. Houston 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 Houston 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!
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Great company that always makes it happen Jackie and her team are professionals!
A big thank you to Arnold Podrebarac and Jenna Alvallero for making this loan happen! Thank you so much. You handled it like a champ!
Very professional and fast to respond
I appreciate the good service from Justin Cohen.
The process was fast and easy
From the moment I made an inquiry call and got a return call from James Hatcher within minutes I received nothing but excellent service. There was a fast pace the whole time and from start to finish it was over […]
Working with ELI was a breeze. Closing was under 10 days and was unexpected
Rance and team were AWESOME start to finish!! Not only completing transaction as stated, but along the way answering any and all questions i had as this was my first time using Civic
Mark has been great to work with.
I highly recommend Civic!
Excellent pricing structures and low fees
Excellent service , great lending company . Thanks for everyone’s hard work and efforts . I will refer all my friends and family to Civic
Patrick Morgan has been very instrumental in navigating us toward the right path. He has also exhibited product knowledge which I cant say the same for other reps with other lenders I have worked with. Our business experience as a […]
Mike Jablonsky & the team are always professional & thorough, no matter how complicated the transaction — Mike always goes the extra mile.
This was my second experience with Civic Financial Services, they are organized and professional. You won’t get anything but the best! (Jack Robinson) he walked me through the entire process. He was in constant communication throughout the deal and was […]
Matthew is the best person to work with
Nick was very informative, prompt to respond and helped walk me through the entire process step by step. Making an investment such as this can be very scary and daunting. Having Nick available definitely made things easier
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!!!!
This is a great team to work with
Easy portal to navigate and excellent communication from point of application to funding. Offers competitive rates and closing speed
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.
Full support and communication from Melissa, Michael and Paige
New to Civic but so far I am very pleased with their process, closing time,and attention to detail.
Patrick Morgan is great, very responsive and professional, no surprises, we closed as planned, I really recommend this company.
Because you guys do everything possible to get our deals closed!
First time client, 10 day close, immediate funding after I signed – service was excellent!
Your firm is professional and fast. Jackelyn Gonzalez is great! Thank you all. JA
Jackelyn and Rebecca are the best . They care about every loan I sent them no matter how small or difficult it could get . They are always there ready to help . I wish all the AE from other […]
Action fast and professional!
Jaqueline is the best account executive I have work with, great support great program amauzing results
Great Service and prompt turn around. Can’t ask for more!
Jackie and Rebecca do a great job on my deals. The honor the pricing and have excellent customer service. They are always responsive with all methods of communication
Jackie and Rebecca were very professional and easy to work with. Any time i needed assistance they were readily available and jumped in to get my transaction completed in an effiecient and timely manner .
Melissa was very helpful, she kept me updated all the time, and made it happen for me
Excellent service, fast response
Matt is the best. He’s by FAR the most professional and conscientious person I’ve had the pleasure of working with in this field. I look forward to a long and LUCRATIVE partnership!
Rance was amazing. . . I had a difficult project and he went out of his way to get the refinance completed!His hard work will end up saving me a lot of money!
Matt Marky was extremely responsive during the loan process and was very engaged and on top of things. Everyone was very professional and acted similarly even in stressful moments during the process. Very happy overall
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 […]
Justin Cohen is a rock star and a pleasure to work with . Highly recommend.
Excellent work, especially from Eli. He is a great support for business. Thank you
Dan is nothing short of excellent on all fronts. It’s a pleasure working with him and his team
Peter Kraemer was superb on our 1st transaction with Civic. The entire process was smooth, informative and quickly closed. Thank you for your professionalism.
I truly appreciated working with Jackelyn Gonzalez and Rebecca Potter. We have completed 5 transactions this year, and they have excellent communication. Excellent turn around time and I can freely discuss any concerns without a problem
Chris was absolutely timely and did what he said he would do. I felt like he truly was working on my behalf to make this deal happen!
Great Service, Fast closing. . . Can’t ask for anything else. Thank you for all your help!
I couldn’t have gotten this done without the wonderful staff at Civic, Brian and Daysi are ROCKSTARS! Thank you both so much
Every closing we have with Civic has been a great one!
Chris Lushina was a joy and pleasure to work with. He has become a part of our family. His expertise and knowledge was great.
Justin and his team were awesome to work with! They were very fast, efficient, and did everything they could to make the process as easy as possible. Truly appreciate all their help and hard work!
Steve was awesome! Thanks so much!
I started working with a different lender that kept delaying and pushing back the close. I almost lost the deal, but when I started with Civic and Jack things started moving and we made the deal happen
Consummate professionalism, excellent response time
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!
Held my hand through the whole process
Working with Civic is always a great experience. I have closed many deals already.
5th flip this year and 5th loan with Civic, the relationship strengthens and the profits keep rolling! Very two way profitable relationship!
This was now our second deal with Jack Lupo and both have closed without issues. We look forward to continuing to bring a block of our business to Civic in the near future.
Working with Brian is great, he’s very responsive and works to get deals done despite any hurdles we have faced.
Melissa is the best!
These guys are the best hassle free and fast
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 […]
This is the third time we work with Brian and Kailyn from Civic. And they are the best people you can ask for work with from a lender! They make everything so easy so fast and so smooth. Zero headache […]
Civic never ceases to impress me with their ability to get to closings in a timely manner. They realize that time kills deals and the less time it takes to fund mitigates much of the concern
Genuine concern to help
Thank you Matt and David for everything. On to the next one!
Excellent service and very responsive.
Got the information I needed in a timely manner and we funded before the deadline. Would definitely use Civic again!
Great work. Talar was amazing
Once again Melissa and her team did great job with this close i was at risk of losing the whole deal because seller want to close sooner so Melissa went above and beyond and got it done. Merci
Bijan went above and beyond to help me get my first deal closed. He was always available to answer questions and walk me through the process. I tell everyone that Bijan is a great guy and they won’t regret calling […]
Josh Levine was super!! He knows his stuff and is very diligent. . .
Kevin was fantastic again as well as all of the executive to make this deal happen. Thank you
Quick, friendly service, Anthony is always there to help with any situations that arise to help get the loan closed.
Great opportunity to obtain funding to expand my business and start new deals!!! Harvey and Sylvia were excellent and so professional and personable
Civic was fast and delivered on the type of loan my clients needed.
Good organization, fast response, deep experience
I had the great experience of working with Marshall Jones at Civic and his amazing team there. The experience was great and i would highly recommend them. We closed on time and got my client exactly what was promised on […]
Marshall and Monica were so prompt in responding and kept our closing date in mind the whole time
Excellent service from entire Civic staff helped to close this loan. This was a very complex loan, it had more hair on it than a polar bear. Thank you Civic
Jacquelyn is awesome!!!
I would recommend civic financial for you private loan needs, the process was very easy and fast. Lender Paul MacGann was always on top of things along the process super smooth. I highly recommend working with Paul
Jim and his staff were patient, professional and executed my funding with such ease. I would definitely recommend them and I plan utilize their services again for my capital needs.
Will promised up front he preformed on it, we have 20 years in the business so this is not are first time. . . thank u Civic
I had a great experience with Civic!
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 […]
Chris Lushina is great and always goes the extra mile
Loved the team of Eli, Vic and KAILYN. They made it happen!
Michael Hoyt was a pleasure to work with. Always stayed on point and made sure that we crossed our t’s and dotted our i’s to meet the deadlines needed to get my deal funded. Thank you Civic Financial Services for […]
Very easy to work with.
Very knowledgeable people
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
I sincerely believe that CFS is the premier lender in the space that it is in. In addition, I very much enjoy working with Eli Smush
Great working with Zac! Always responsive and very knowledgeable. Highly Reccomend
Amazing lender. Great service. Fast and efficient
The customer service was great
Chris was amazing. .
Reasonable rates and no delays in closing
Very Positive experience!
Marshall Jones and Monica Hawley were an absolute pleasure to work with. They are very knowledgeable, efficient and professional. With all these attributes, what stands out the most is their courteous and patient approach throughout the loan process. I will […]
Easy to work with and they got the deal done
Jackie Gonzalez is amazing, she works side to side to help you close on time. Great customer service and she cares. . . I am bless tohave her as our account executive. Thank you.
Beyond my expectations- they was great customer service, quick turnarounds and lowest rate than any other hard cash lenders i used. Highly recommended to anyone
Great service as usual
Because of our relationship with Ben/BDO
Great service and rates
My account executive Mariam was extremely professional, incredibly responsive, and just an overall pleasure to work with. The one or two times that she may have not been 100% certain of something I could count on her to find out […]
We just took a loan for the first time to buy property, and Civic Financial Services did a fantastic Job in providing the loan for us on a timely manner. William was very patient and didn’t push us to take […]
Matt and Corey are the best
Dara is an excellent Account Executive-very professional, caring, pleasant, and above all patience. It is a pleasant working with her!
Civic consistently delivers exceptional service. Jacquelyn is priceless! We are 100% satisfied
Information requested was very simple to obtain and less complicated than other loans. Happy about their close times and willingness to make things happen quickly. Will continue to work with Civic for my private money needs
I felt the team was fast and responsive
Paige is simply the best ! Super professional and helpful . Thank you
Another great transaction with Marco and his team. Got more coming, thanks for everything!
We have a great team together, Jack, Aly and Michael. We are working on more loans for our Team
A really seamless transaction. They were professional prompt and just what I needed. Jim, Jack and team were awesome.
Another 5 Star experience with Marco and Corey!
Smooth and seamless transaction. Will be using them again soon!
Overall experience was excellent. Loan officer was very knowledgeable about loan products and processing/underwriting procedures. Loan processor was efficient, effective and easy to work with.
I took out my first rehab loan with Patrick at CIVIC. The process was much simpler and faster than I had anticipated and it was one of the easiest mortgage transactions I had experienced. I look forward to working with […]
First loan with Civic Financial. Excellent service provided by Eric and Dianabel. Constant communication and updates. Went out of their way to help us resolve 3rd party issue that was delaying our loan. Look forward to working with you guys […]
Daniel is fabulous at communication, worked quickly and efficiently and backed up all of his initial promises
I had a great experience with Civic. Rance, who helped me through the process, was awesome. I will definitely work with Civic in the future!
Peter communicated with me effectively. Always responsive. I would love to work with him again in the future!
Justin is an awesome person to work with. He was there every step of the transaction. Smooth transaction from the start to the end. He really understand what an investor is looking for and he stood in the standpoint of […]
Fair cost of loan, Paige was very good to work with for all the right reasons
The service went beyond expectations, always excellent and professional
Scott Vincenti is probably one of the greatest referrals I’ve received. He’s very well spoken and just a well rounded guy that is very knowledgeable about the business. He’s never not been able to answer a question, on top of […]
Excellent follow up and teamwork to get the loan closed
Ben has been a pleasure to work with. He goes above and beyond to ensure things come together and are completed as quickly as possible. I have worked with other lenders and Civic is one of the few I would […]
I have already recommended Civic Financial Services to my friend that’s needs to remodel there home.
Speed, communication and aggressive products.
You guys provide great service. We really appreciate the easy communication throughout the loan process.
My second transaction with Civic and Matt. Seamless again. Thank you for the easy process!
Great service, timely respnses
Easy and transparent to work with!
Prompt and friendly service
Very easy to work with!
I am a broker and I direct business to Civic on a regular basis. I have worked with Civic for 3 years now and believe Civic has the best platform and operations in the industry. My rep, Chris Rosas is […]
As a first time home buyer, I feel fortunate to have chosen to work with Civic Financial Services. They were extremely easy to work with, prompt in relaying information and returning emails and phone calls, and were extremely friendly
Thank you for all your cooperation!
Great job Jack! Thank you!
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
It was a smooth process from start to finish and everyone was very helpful and knowledgeable.
Bijan was great to work with. He went out of his way to pull everything together and close on a very tight schedule
Fast close, easy to work with 🙂
I had a great experience closing my first deal with Civic. My account manager is fantastic. He has been nothing but responsive, professional, and easy to communicate with. We were able to close quickly and I am anticipating on doing […]
Always a good experience.
The team at Civic Financial were very informative, diligent and walked us through the process every step of the way. They pressed through the final steps at the deadline to help get us closed on time. We look forward to […]
It was a pleasure working with Matt and the rest of the Civic team. They were able to assist us in closing a deal in a short period of time. My team and I look forward to working with them […]
Every body made it easy to get the job done: agent, processor, underwriter, funder, everyone. Thanks again
Very fast response time
Civic Financial Services did a great job with our loan. They looked at our experience as a renovation company and gave us a very competitive rate. They were also very responsive, funding our loan within about 7 business days of […]
Great Service and Team Work!
Nick and his team were very professional and great to work with the whole time.
The team I’ve worked with at Civic, Rance Brown’s team, is rock solid. They are responsive and easy to work with. They’re my go-to lending option
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
Very good at communication and staying on track
Michael, Monica H, and Monica… the 3 of them makes a great team…
The service I received from the very first phone contact with Chris Lushina was professional and got full and good information. Then all of my contact with the closing team was the same . Always answered my questions promptly. Have […]
Rance has been easy to work with and Civic is putting out some very competitive products. Kudos!
I enjoyed working with Ryan. Made the process easy. Treated me as if my business mattered. Many salesman just wait for the easy sale and don’t want to work
Bijan did what he said he would do. He and the support staff were very accessible, which helped make for a smooth, quick closing.
Brian Lee was great to work with. So was Cory
Fast communication, streamlined process
Ben, Vanessa and Dianabele were amazing like he last deal!
The Civic team did a great job in getting this file closed. Great communication. Great speed. Great service. Great experience. Thank you all!
Loved the team Eli, Vic and KAILYN, they made it happen!
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
Because of working with Justin was friendly and swift,everything worked out fine so I am happy
Dan was great communicator, Very well designed website where you can upload all the documents needed for the transactions, Competitive rates
Jacquelyn is the VERY best at what she does and her follow through and responsiveness is second to none. Another outstanding performance by Civic!
These guys know what they are doing. Very reasonable rates, professional services and quick closing.
Friendly service and speedy closing
Marco is a fantastic A. E.! Corey is a great AM! I couldn’t be happier with our experience on our Dunn file. It has been some time since I funded a file with Civic and this was the quickest and […]
Chris & David were polite & patient when I did no send info on timely basis. They consistently guided broker & borrower as per Civic lending criteria etc. Over the years, I have developed a good sense of comparative value. […]
The Civic service / suport team is fantastic. . . . Especially when you have any loan challenges.
Rance was great throughout the process even with glitches that came up during last days of closing.
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
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
Great communication. Arnold is Awesome
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 […]
Efficient, transparent and forthcoming.
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
Justin has been great and gone above and beyond, even when things have been complicated.
Love the communication, quick response and friendly advisors
Very professional, always answers his phone whenever I have questions. We were able to close my loan in 10 days
It was a very smooth process!
Great job ! Great service !!👍🏼
My agent was a great support for my transaction and everything went smoothly at closing. Thank you to Eli my agent
Worked with Dave Rooker on many properties/flips I own. He is THE BEST!! As well as Gabby & Marisa at Civic Financial. I already send my family & friends to get financed from you guys!!
Very pleasant, good products, quick service.
Off the chart care, communication and clear concern for finding a solution benefiting me.
Good response time and frontloading of borrower requirements
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
Quick turn around from start to finish
Bijan is super knowegable. Loan product is great. Application is not hard. Appraisal company does great job.