PRIVATE MONEY LENDING MADE EASY

Civic Financial Services is a private money lender, specializing in the financing of non-owner occupied
residential investment properties. CIVIC provides Mortgage Brokers and Real Estate Investors with a
fast and cost effective funding source for their real estate investment needs.

GENERAL GUIDELINES
• Non-owner occupied only • Interest rates based on experience & FICO
• AZ, CA, CO, FL, GA, HI, NC, NV, OR, SC, TN, TX, UT, WA • Cross collateralization option for multiple properties
• Bank statements only / No income verification • Foreign National program
• Interest only payments • Direct Lender
• Quick Closings! 4-10 business days • No minimum FICO requirements (Credit Conscious)

LENDING CRITERIA 1 YEAR 2 YEAR 4 YEAR

INTEREST RATE 8.50%+ 8.50%+ 8.50%+
LTV MAX 1 75% - 80% 75% - 80% 75% - 80%
MAX LOAN-TO-PURCHASE 2 90% 90% 90%
LENDER POINTS 2 2 2
FICO REQUIREMENT NONE 500 640
LENDER FEE $1,195 $1,195 $1,195
PREPAYMENT PENALTY NONE 8 MONTHS 18 MONTHS
TERM EXTENSION FEE 1 POINT / 6 MONTHS 1 POINT / 6 MONTHS NONE
LOAN AMOUNTS $100K - $5M $100K - $5M $100K - $5M
DSCR REQUIREMENT NONE 90% 100%
CLOSING TIME FRAME 3
4-10 DAYS 4-10 DAYS 4-10 DAYS
SFR, 2-4 UNITS, CONDOS, PUD’S, SFR, 2-4 UNITS, CONDOS, PUD’S, SFR, 2-4 UNITS, CONDOS, PUD’S,
PROPERTY TYPES TOWNHOMES, 5-20 UNIT MULTIFAMILY TOWNHOMES, 5-20 UNIT MULTIFAMILY TOWNHOMES, 5-20 UNIT MULTIFAMILY

1
80% LTV available to well qualified borrowers on properties located in major metropolitan
areas. LTV is subject to decrease based on property location, property condition, and
borrower qualifications. REHAB FINANCING PROGRAM
2
Financing up to 90% of the purchase price, so long as not exceeding designated max LTV.
3
From receipt of full documentation package. • Financing up to 100% of the total rehab budget
(% varies based on borrower’s level of experience)
• Max 70-75% of ARV
PROPERTY VALUATION FEES
• Funds are disbursed over draws upon verification of completed
PRODUCT PROPERTY TYPE COST work
BPO SFR, 2-4 UNITS, CONDOS $295 • Interest paid on total loan amount, including undrawn funds
CA-Property value < $2MM
Other States - Property value < $1.5MM
• Pricing: Same Rates and Origination Fee Apply
• Additional lender fee to cover Project Feasibility Report, GC
COMMERCIAL EVAL 5-10 UNIT MULTIFAMILY $895
Review, and draws:
CA-Property value < $2MM
Other States - Property value < $1.5MM - 1-4 Units +$1,075
APPRAISAL CA-Property value > $2MM - 5-10 Units +$1,350
Other States - Property value > $1.5MM - 11-20 Units +$1,500

11-20 UNIT MULTIFAMILY

©2018 All rights reserved. This is not a commitment to lend. Restrictions may apply. LTV limit is based on current,
ADAM KLEIN accurate appraised value. Civic Financial Services, LLC reserves the right to amend rates and guidelines. All loans are
made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under
Account Executive NMLS 1099109 and the California Department of Business Oversight license #603tL321, AZ Mortgage Broker license
adam.klein@civicfs.com #092863, ID Mortgage Broker/Lender License #MBL-8288, OR Mortgage Broker License #ML-5282, and WA Consumer
Loan Company License #CL-1099109. Civic Financial Services, LLC is an equal opportunity lender.
424.336.7976 Direct
818.307.7951 Mobile
www.civicfs.com