Civic financial is the biggest scam… Civic financial is the biggest scam company. They cost me thousands of dollars on a deal they promised they would close months later a week prior to close they come with they need more information. Absolutely the worst lender I ever worked with. All the would say was just push closing another 2 weeks until finally the seller backed out. Do not use this company you will regret it

Our nightmare started with a civic… Our nightmare started with a civic broker back in August. Refi and purchase loan)After submitting countless documents with no response weeks at a time. We decided to move forward only to find out after paying for a second appraisal this broker was working with civic as well. We were caught between a broker squabble. I spoke with a accountant executive via email. She apologized. I was told the original broker. I started with would contact me Friday. That was a week ago. We are starting to believe civic brokers are fraudulent liars. 6 months of time wasted and we still don't have a clear understanding of why we haven't closed. Or at least a email stating they cannot or will not close the loans.

Another SMOOTH Closing with CIVIC This is our 3rd deal with CIVIC and we loved the experience. Our Account Executives, Melissa S. and Michael H. were super! Took care of every detail, were great at communicating and moving the ball forward. This was another smooth process though we were in new territory with this type of loan. Thank you, CIVIC!

Avoid.. Avoid... Avoid... Beware of Civic Financial Services especially the NY location. Liars and Crooks, they told me what I wanted to hear at the start by answering my questions, then as closing date was set they changed all the rules. Tried charging me over $12,000 in closing costs, only to put in their pockets. As I began to ask more questions before the official closing they lied to me again. Was informed on the closing date that the only way I had access to the funds I was borrowing was to request draws. I had to personally pay for all the renovations and contractors to do the work out of my pocket, then request the money back via draws. If I had the money already I wouldn't need a lender to borrow from, so why borrow the money and pay interest if I must pay for all the renovations upfront with my own money. They are very shady and crooked. Proceed with caution, better yet just avoid altogether!! They don't want to talk with you on the phone, they make it quick and never call back.

If you started with it may be too late If you started with it may be too late. The worst experience in 20 years of investing. Terrible service DONOT pleaseeeeeee DONOT use them for any of your real estate investing needs you will regret it.