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(800)865-9011

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 $5,000,000
Interest Rate Minimum 11%
Points Minimum 1st TD 1
Terms 1 year, 18 month
Credit Score Min 620
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
Program Code LG543

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 and Non Recourse available
Program Code LG542

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%
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
Program Code LG545

Bridge Loan
Fix and Flip

Property Types 2-4 Units, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $50,000
Loan amount Maximum $5,000,000
Interest Rate Minimum 9.75%
Terms 1 year, 18 month
Credit Score Min 620
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
Program Code LG544

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
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.
2015 Manhattan Beach Blvd. #106
Redondo Beach, 
CA
 90278