CIVIC Financial Services is a company specializing in investment services, providing a range of financial solutions designed to meet the needs of individual investors and businesses. With a focus on transparent and efficient investment strategies, the company aims to empower clients to make informed financial decisions. Their offerings may include portfolio management, retirement planning, and various investment products tailored to enhance client financial growth. Targeting both individual investors and small to mid-sized businesses, CIVIC Financial Services seeks to cater to a diverse clientele looking for reliable investment opportunities. By emphasizing a client-centric approach, the company strives to build long-term relationships based on trust and transparency in the financial services sector. For more information, visit their website at www.civicfs.com.
CIVIC Financial Services receives a mixed response from customers, reflecting both positive experiences and significant frustrations. Many reviewers appreciate the professionalism and support from specific team members, noting that they provide great service and help clients build sustainable rental portfolios.
However, a substantial number of consumers express dissatisfaction, citing issues such as hidden fees, lack of transparency, and high-interest rates. Complaints frequently mention feeling misled about loan terms and experiencing delays that result in financial losses. Some customers describe their interactions as stressful and unprofessional, leading to a sense of distrust. While there are commendable aspects of the service, the negative feedback regarding transparency and communication is prevalent.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.6 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Feb 2025.
| Month | Average | Reviews |
|---|---|---|
| Jun 24 | 2.0 | 2 |
| Jul 24 | 1.0 | 1 |
| Aug 24 | — | 0 |
| Sep 24 | — | 0 |
| Oct 24 | — | 0 |
| Nov 24 | 1.0 | 1 |
| Dec 24 | 2.0 | 1 |
| Jan 25 | — | 0 |
| Feb 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Everything went seamlessly and fast”
“They hided a clause in the note that on a cross collateral mortgage i need to pay off on the first property 120 percent”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Investment Services.
| Company | Overall | Legit | Service | Value | Trend | Reviews |
|---|---|---|---|---|---|---|
| 3.6 out of 5 (good) | 100 out of 100 | 3.9 out of 5 (good) | 2.0 out of 5 (poor) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 3.9 out of 5 (good) | — | 1,060 |
Bottom line: CIVIC Financial Services is #5 of 5 on overall rating in this group. On value, Frontier Home Insurance scores higher (4.7 vs 2.0).
60 reviews of CIVIC Financial Services. Filter by what matters to you.
I am currently trying to get a loan with civic as we speak. I started with them on 6/15/22 and I am still trying to get it processed today 9/15/22 this is a very dishonest company Henry Carr will not be honest and upfront with me, he charged me 600 for an appraisal that cost 450.00. My business has went upside down and I have fallen behind using these guys! BE CAREFUL AND AWARE OF THESE GUYS!!
Civic kept pushing back the loan and finding more reasons to not close my deal. After many promises to close week after week, I finally closed after 4 months. I feel civic needs to streamline their process and have better communication and accountability within their group. They are a legit company at the end of the day and I hope they are improving their process to get their loans closed in a timely manner.
Worst experience I've ever had as an investor. Beware, they created endless headaches for me after constantly pushing back my refinance, month after month. What was supposed to be a 30-day close, is still going and we're past 100 days now. It's been a nightmare of an experience. We Finally seem to be at the end but I wouldn’t want anyone to go through that experience.
Quick answers to the questions people ask most.
CIVIC Financial Services provides a range of investment services, but for specific offerings, it's best to visit our website or contact us directly.
Fees can vary based on the type of service provided. Please check our website or reach out for detailed pricing information.
Our business hours may vary, so we recommend visiting our website for the most accurate information regarding our operating hours.
We take customer feedback seriously and strive to resolve any issues promptly. For specific concerns, please contact our customer service team.
Transparency is important to us, but we recommend carefully reviewing any agreements. For detailed information, please consult our website or contact us directly.
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Polarized pattern: few middle ratings. 62% of recent reviews are 4–5★ and 33% are 1–2★.
BEWARE BEWARE BEWARE! BEWARE OF THIS LENDER. THEY ARE KNOWN FOR THEIR DISHONESTY! My acquisition/construction loan although in the name of my company, they can't seem to find to reply. My name is Donald Cole and it is my opinion, the opinion of other mortgage lenders, banker and brokers, along with my attorney, that what was done to me was a type of fraud. I am putting together a class action suit against them. I will be trying to contact everyone who has left a bad review to see If any of you wish to participate in a class action suit against this company, the owners as well as their individual investors. I AM COMPILING A LIST FOR MY ATTORNEY to decide if I bring a suit by myself or if there are enough for a class action suit against Civic. I was told that the only reason they have not been stopped as yet is because people like myself are embarrassed and have been drained of their finances so they are left with no good money trying to get back the bad Anyway, here is MY story: During the purchase process they procrastinated the loan month after month by constantly requesting paperwork we had already sent to them until we were about to lose the deal and they were the only lender we had left. Then once they hooked us, we closed, using about $185,000 towards the purchase price with an additional $207,000 in a construction LOC. We had only accessed $185,000 of the loan for acquisition so after a few months I inquired as to why my interest payments we so high and found they were charging me interest on the full $400,000 loan even though we had only accessed $185,000. AS IF THAT WASN'T BAD ENOUGH they would not properly release constructions funds to keep the project going in a timely manner FOR OVER A YEAR AND A HALF, placing another $30,000 intererst in their coffers! They made it EXTREMELY DIFFICULT to access our construction funds to the point we had to sell the property after we had only beening able to complete the demo. We only found out later when talking to other lenders that Civic is KNOWN in the industry for doing these things.
If you started with it may be too late. The worst experience in 20 years of investing. Terrible service DONOT pleaseeeeeee DONOT use them for any of your real estate investing needs you will regret it.
Working with Matt was an absolute pleasure. Everything went seamlessly and fast. He is phenomenal. Thank you so much.
Eddie Salem was the best loan officer I have worked with!! Very responsive and easy to work with. Would highly recommend Eddie and CIVIC Financial Services!
John is my all time favorite AE, he is always available, professional and knowledgeable! the CIVIC team was outstanding as usual, super prompt responses to all emails, informative and professional. Loved the loan approval :) Love working with my CIVIC
Joe Zaniboni did an excellent job and followed through on everything in a timely manner. ”
Justin was very helpful from the beginning of the transaction until the end. Thank you
Great customer service , prompt and quick responses
Jackie is amazing! She is always working around the clock no matter what the circumstance is:) I'm truly grateful to have her on my team. Go Jackie!
CIVIC FINANCIAL is an Excellent company to work with! Thanks to You and Your Team Shyla. Ceola
Shyla went above and beyond. Communication was great, she would always make herself available to answer any questions I may have. Your terms were great, the experience that I received when working with Shyla was even better. I'll definitely be coming bac
CIVIC Financial Services is a company specializing in investment services, providing a range of financial solutions designed to meet the needs of individual investors and businesses. With a focus on transparent and efficient investment strategies, the company aims to empower clients to make informed financial decisions. Their offerings may include portfolio management, retirement planning, and various investment products tailored to enhance client financial growth. Targeting both individual investors and small to mid-sized businesses, CIVIC Financial Services seeks to cater to a diverse clientele looking for reliable investment opportunities. By emphasizing a client-centric approach, the company strives to build long-term relationships based on trust and transparency in the financial services sector. For more information, visit their website at www.civicfs.com.
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