Civic Financial Services for Georgia investors
Civic Financial Services (now part of PacWest Bank) is a long-standing national non-QM lender with full product suite. 75% LTV on cash-out refinance.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How Civic Financial Services positions in Georgia
For Georgia specifically, Civic Financial Services fits investors who match the hard money approach. The medium cash flow profile of Georgia aggregate makes it workable for Civic Financial Services.
City-level coverage in Georgia
Civic Financial Services provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Georgia metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge |
| Loan size | $75K - $2.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
Civic Financial Services strengths in Georgia
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Georgia. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Atlanta is the top investor market in Georgia and falls within Civic Financial Services national coverage. Atlanta property tax follows the Georgia state rate of 1 percent. Civic Financial Services typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Savannah matters for property selection.
Civic Financial Services applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta all qualify for the same Civic Financial Services program.
Civic Financial Services indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Georgia.
Georgia allows standard DSCR prepay structures; Civic Financial Services typically uses 3-5 year step down.
Civic Financial Services typical close: 10-21 days typical.
Bottom line
Georgia investors considering Civic Financial Services should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services.