Justin and his team were amazing during… Justin and his team were amazing during the process of getting our loans and refinances. They were on top of getting all of our paperwork in as fast as they could. On our last transaction we ended up closing within a week. They always kept us in the loop with every step within the process. Justin is a solid mortgage/financial advisor and more importantly a genuine person. Highly recommended. Thanks again for all your help!

1 star too many-RUN Unprofessional Bad Business 1 star too many. RUN-DO NOT DO BUSINESS WITH CIVIC. The worst financial service company I've ever dealt with. They have had my loan since December 2022 and no one even had the courtesy to respond to my emails for a follow-up regarding my refinance after I've paid over $1200 in appraisal fee's. I've emailed the underwriting manager Daniel Molina called customer service to simply get a reply and no response. It was supposed to take 30 days. I had the pre approval. The Appraiser confirmed she made a mistake on the appraisal stated she would correct it at their request and they did not even submit for corrected appraisal. They will give you the run around and undeliver weeks at a time. I will be filing a complaint under the FHA, HUD, and BBB. Still ongoing.

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.

CIVIC Financial - My Lender of Choice for Client Referrals I am a Senior Asset Manager at another lender, and Brian Fung is my go-to guy when it comes to referring my clients to him who are approaching their maturity dates. Brian has refinanced at least a dozen of our loans. Not only has he impressed me, my company, but our mutual clients. Brian goes above and beyond to meet our mutual client's needs. Most importantly, he is ALWAYS available. I look forward to continuing to work with CIVIC and Mr. Fung.

CIVIC FINANCIAL SERVICES FRAUD I have been in the financial industry over 30 years, brokered and closed for my own account in excess of 1000 loans in 5 states, ranging in amounts from $20,000 to $10,000,000, helped countless homeowners navigate their way through the crushing mortgage crisis years. I've worked with every imaginable U.S. bank and mortgage lender, from the largest to ones since demised, insurance funds and international banks. But, never have I ever encountered one so blatantly incompetent, dishonest, unscrupulous or fraudulent as Civic Financial, and their erstwhile servicing subsidiary BSI Financial Services. So egregious are their accounting and loan servicing actions that it became necessary to not only file suit on one particular Oregon loan, but I am preparing regulatory agency complaints for filing in Texas, California and Oregon.