Chris & David : my partners at Civic Financials Chris & David were polite & patient when I did no send info on timely basis. They consistently guided broker & borrower as per Civic lending criteria etc. Over the years, I have developed a good sense of comparative value. Civic Fin is my go-to lender, especially due to exceptional service by Chris Rosas & David.

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.

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!!!!

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.

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.