Civic Financial Services for Nebraska 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.
Nebraska context
Nebraska steady Midwest DSCR. Insurance and financial employment anchors.
How Civic Financial Services positions in Nebraska
The Nebraska lender pool for DSCR includes Civic Financial Services among the active platforms. Nebraska top metros (Omaha, Lincoln, Nebraska) see meaningful Civic Financial Services loan volume.
City-level coverage in Nebraska
Civic Financial Services provides DSCR coverage across Nebraska metros including Omaha, Lincoln, and Nebraska. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across Nebraska 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 |
| Nebraska property tax | 1.7% |
| Nebraska state income tax | 6.84% |
Civic Financial Services strengths in Nebraska
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including Nebraska. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Omaha is the top investor market in Nebraska and falls within Civic Financial Services national coverage. Omaha property tax follows the Nebraska state rate of 1.7 percent. Civic Financial Services typically underwrites Omaha acquisitions at standard rate sheets.
Yes. Lincoln ranks among the larger Nebraska investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Lincoln matters for property selection.
Civic Financial Services applies the same rate sheet across Nebraska metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Omaha, Lincoln, and Nebraska 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.
Nebraska steady Midwest DSCR. Insurance and financial employment anchors. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in Nebraska.
Nebraska 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
Civic Financial Services in Nebraska works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services.