Civic Financial Services for New Hampshire 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.
New Hampshire context
New Hampshire no state income tax. Property tax high. Boston commuter market.
How Civic Financial Services positions in New Hampshire
New Hampshire is well covered by national DSCR lenders, with Civic Financial Services as one option. Where Civic Financial Services differentiates: broad product suite. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in New Hampshire
Civic Financial Services provides DSCR coverage across New Hampshire metros including Manchester, Nashua, and Concord. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Civic Financial Services program terms apply uniformly across New Hampshire 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 |
| New Hampshire property tax | 1.9% |
| New Hampshire state income tax | None |
Civic Financial Services strengths in New Hampshire
- broad product suite
- experienced team
- national reach
Ideal borrower: Mid-to-experienced investor with consistent deal flow
FAQ
Yes, operates nationally including New Hampshire. Civic Financial Services is based in Redondo Beach, CA and operates nationally.
Manchester is the top investor market in New Hampshire and falls within Civic Financial Services national coverage. Manchester property tax follows the New Hampshire state rate of 1.9 percent. Civic Financial Services typically underwrites Manchester acquisitions at standard rate sheets.
Yes. Nashua ranks among the larger New Hampshire investor metros and sees consistent DSCR loan volume from Civic Financial Services. Submarket variation within Nashua matters for property selection.
Civic Financial Services applies the same rate sheet across New Hampshire metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Manchester, Nashua, and Concord 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.
New Hampshire no state income tax. Property tax high. Boston commuter market. Civic Financial Services follows standard business-purpose loan structures.
Civic Financial Services funds fix-and-flip, BRRRR, rental, bridge in New Hampshire.
New Hampshire 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
For New Hampshire DSCR borrowers, Civic Financial Services is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services.