We're much more than just a checkbook...The Civic Difference

[Charlie Fitzgerald]

COMMON SENSE LENDING

We won’t make you jump through hoops to get access to financing. If your investment makes sense, we will finance it.

RELATIONSHIP BUILDING

This is not just a transaction, we want to be your partner today and in the future. We are invested in your success.

LOCAL CONTROL

We are a direct lender, underwrite our own files, and provide our own appraisals which makes our loan process transparent and fast.

STRAIGHT FORWARD TERMS

We lend and you pay us back with interest only payments and a full balloon payment at the end of the term. That’s it.

Specialized Products. Straightforward Terms.

                     Exceptional Service.

We’re a private money lender, specializing in the financing of non-owner occupied investment properties. Civic provides Mortgage Brokers, Borrowers, Investors and Real Estate Agents with funding for investment property acquisition and refinancing. We use our own institutional capital to provide business purpose loans for clients that seek to:

• Fix & Flip
• Buy & Hold
• Rate & Term
• Cash Out & Refinance
• Bridge Financing
• Wholesale Financing

GENERAL GUIDELINES • Non-owner occupied only • Lending in AZ, CA, CO, FL, ID, OR, TX and WA • Reserve Requirement: Borrower to have 4 months interest payment reserves, down payment, closing costs, rehab funds • Purchase, rate & term, cash-out • Individuals, LLC's, Corps, Trusts OK • No current bankruptcy or foreclosure • Interest only payments • Foreign national program

“Loan Officers” - For Lightning Fast Pre-Qual and Pricing

Email Me Your 1003 & Scenario! I’m here to get you paid!

Charlie Fitzgerald, NMLS ID 13353

Branch Manager/Account Executive

702.561.1056 – C

800.843.8650 – O

702.543.5347 – F

[email protected]

www.civicfs.com