Great experience
Great experience, constant and fluid communication. A lot of random variables and ambiguity In this transaction, yet it was put together professionally and handled flawlessly by the Civic team.
By Nabil
Monday, November 9, 2026 · Customer reviews of US businesses

The Fair Hearing score
Excellent
622 reviews
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Honesty, pricing, process and quality scores appear once 5 customers have rated them.
CIVIC delivers simple, honest, reliable lending for real estate investors. If you’re an experienced investor or a first-time borrower, with CIVIC you can go further.
CIVIC Financial Services (civicfs.com) has 622 customer reviews on The Fair Hearing, with an average rating of 4.7 out of 5.
622 approved reviews, newest moderated first
Great experience, constant and fluid communication. A lot of random variables and ambiguity In this transaction, yet it was put together professionally and handled flawlessly by the Civic team.
By Nabil
Civic and Tedd Gerstenfeld really came through for our borrower. Even over a holiday weekend which was a bit challenging, they got the loan closed. Our borrower is thrilled.
By Pam
Absolutely tne best! Marco and Corey are top notch professionals, tney refinanced my house in 2 weeks! Closed on time, excellent communication, went above and beyond my expectations and I would highly recommend them and use them myself in the future as well!
By Lolita R.
Finding a flexible lender with creative option in mind is very difficult. I'm lucky to find Martha and her lender through the local REI meeting. The documents requirement were not overly excessively picky nor restricted. Although processing was quick and smooth, it is not very friendly to beginner investor like myself. The real estate investing jargons the lender's side used were completely new to beginner investor. I had a lot of times where I missed understood of what they expected me to do, but Martha was on it and clarified quickly. Hope, they would clarify things specifically in details would be better. However, I would definitely recommend this lender to anyone that wanted to do creative loan option.
By Eric
Matthew Specht, Account Executive, is the best in the business. He is one of the rare AEs who has thorough knowledge of his product and can aggressively move a loan application through the process.
By Chris Martin, J.
Great experience working with Jackelyn and Civic. They always get my loans funded quickly.
By Abdul
My AE Jacquelyn and her team moved quickly and diligently to deliver a great product for my client. Every transaction has hiccups, however because they proactively communicated underwriting status and requirements, the entire process was stress free.
By Michael
GREAT SERVICE!
By Avraham