“Exceptional follow up and execution… “Exceptional follow up and execution skills. Extremely professional, friendly and easy to work with. Quick turn around on everything from pre approvals to funding. 6 Stars to my team!!! They deserve raises and promotions :) Love the Broker portal, it makes the flow of what we do a million times easier so everyone can focus on completing tasks and getting on to new business. Much appreciated and gets easier and better to work with Civic as we grow together. Pamela Kimble, BRE Capital & Investments, LLC

Loan papers were incorrect for the… Loan papers were incorrect for the program chosen. Decided stay with that program which modified some of the paper work, which created some negotiation at last minute. Escrow was to forward the loan documents at close, 3/19, but as I understand FedX will deliver 3/21. Why delay? Justin Cohen deserves the 5 star rating.

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.

The absolute worst hard money lender The absolute worst hard money lender, I have used quite a few, and I cannot stress enough how terrible they are. They take weeks to get a draw to you, there is no online portal, they charge huge fees. They took over a week just to get a payoff statement to the title company for the sale of the home that was quick close all cash. It took months just to close the loan when they said it would be weeks. DO NOT USE THEM, READ ALL THE PAPERWORK.

DO NOT DO IT!!! DO NOT DO IT!!!! ON CLOSING DAY, DURING FUNDING-UNDERWRITERS PULLED OUR DEAL BACK !!! AFTER I HAVE ALREADY WIRED THEM OVER 70K IN FUNDS. THEY ARE TRYING TO HAVE ME BRING MORE MONEY TO THE CLOSING TABLE; OR CHANGE THE LOAN TYPE! WE GOT A CLEAR TO CLOSE, SIGNED ALL PAPERS AND LOAN PAPERWORK AT 7PM LAST NIGHT; EVEN HAD A MOBILE NOTARY COME TO MY HOME TO SIGN!!! AND EVERYTHING! FOR THEM TO DO THIS AND PULL OUR DEAL BACK 30 MINS BEFORE RECORDING. IM LOOSING 5K IN DD DUE TO THIS. UPDATED: Jan17,2023 This company, dropped the ball on my loan and pulled the deal after docs were signed and after I sent my funds. Now I have Fay servicing calling me saying I have a loan with them for the homes civic financial declined to close the deal on. This loan never closed and I now I’m getting calls from the “would be” mortgage company regarding monthly mortgage payments!!!!