Civic Financial Services

Construction Loan Ground Up Construction
Property Types	2-4 Units, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$50,000
Loan amount Maximum	$3,500,000
Interest Rate Minimum	11%
Points Minimum 1st TD	1
Terms	1 year, 18 month
Credit Score Min	680
Interest Only or Amortized	Interest Only
Fees	Underwriting
Entities	Corp - Corporation, Foreign National, LLC - Limited Liability Corporation
Cross Collateralize Blanket	Yes
Lien Position	1st
Max Points Charge by Broker	2
Intended Occupancy	Tenant, Vacant
Fixed or Adjustable	Fixed
Recourse	Recourse
Updated as of	2024-12-30

Long Term Rental Loan DSCR (Portfolios OK)
Property Types	2-4 Units, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$75,000
Loan amount Maximum	$2,000,000
Interest Rate Minimum	6.25%
Points Maximum 1st TD	2
Terms	30 year, 5 / 6 month ARM, 7 / 6 month ARM, 10 / 6 month ARM
Credit Score Min	660
Interest Only or Amortized	Amortized
Fees	Underwriting
Entities	Corp - Corporation, LLC - Limited Liability Corporation, Foreign National
Cross Collateralize Blanket	Yes
Lien Position	1st
Max Points Charge by Broker	2
Prepayment Penalty	5,4,3,2,1, 1 year, 2 years, 3+ years
Intended Occupancy	Tenant, Vacant
Fixed or Adjustable	Fixed
Recourse	Recourse
Updated as of	2024-12-30

Bridge Loan Stabilized Bridge
Property Types	2-4 Units, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$75,000
Loan amount Maximum	$2,000,000
Interest Rate Minimum	9.75%
Points Minimum 1st TD	1
Terms	1 year, 18 month
Credit Score Min	660
Fees	Underwriting
Entities	Corp - Corporation, Foreign National, LLC - Limited Liability Corporation
Cross Collateralize Blanket	Yes
Lien Position	1st
Max Points Charge by Broker	2
Intended Occupancy	Tenant, Vacant
Fixed or Adjustable	Fixed
Recourse	Recourse
Updated as of	2024-12-30

Bridge Loan Fix and Flip
Property Types	2-4 Units, SFR
Lendding Area	NATIONWIDE
Loan amount Minimum	$50,000
Loan amount Maximum	$3,500,000
Interest Rate Minimum	9.75%
Points Minimum 1st TD	1
Terms	1 year, 18 month
Typical Days Required to Fund	6-10 Business days
Credit Score Min	600
Fees	Underwriting
Entities	Corp - Corporation, Foreign National, LLC - Limited Liability Corporation
Cross Collateralize Blanket	Yes
Lien Position	1st
Max Points Charge by Broker	2
Intended Occupancy	Tenant, Vacant
Fixed or Adjustable	Fixed
Recourse	Recourse
Updated as of	2024-12-30

Summary of all Guidelines
Loan Types	Bridge Loan, Hard Money Loan
Lendding Area	arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, hawaii, idaho, illinois, maryland, mississippi, nevada, new-jersey, north-carolina, oregon, rhode-island, south-carolina, tennessee, utah, washington
Loan amount Minimum	$100,000
Loan amount Maximum	$7,000,000
Interest Rate Minimum	8%
Interest Rate Maximum	11%
Points Minimum 1st TD	1
Credit Score Min	660
Prepayment Penalty	None
LTV Bridge	80
LTC Construction	90
Upfront Fees	B.P.O. Broker Price Opinioni, Processing
LTC Rehab	75
Intended Occupancy	Non-Owner
Percentage of Budget Financed - Rehab	75
LTC Percentage of Budget Financed	75
NMLS ID	1099109

Civic Financial Services is located in Redondo Beach, CA. They offer financing for Bridge Loans and Hard Money Loans. Their minimum loan amount is $100,000. Their maximum loan amount is $7,000,000. They offer loans for a minimum Term of 1 year. Although rates can change they are typically lending at a minimum rate of 8%. Maximum interest rate of 11%. Points charged are deal specific, but historically have charged a minimum of 1.

These descriptions are limited information and meant for general reference purposes.