Allan Smith

I flip/develop real estate and this was by far the worst lender I've dealt with. When I left my first review they told me to take it down or they wouldn't fund. I fear extortion from this review as well.

Original Review:

I bought land to build on and started a refi for a construction loan with Civic. After 7 weeks and they still had no idea what's going on. The virtual assistant processing the loan is a gopher between me and underwriting. They don't have a settlement statement to review and they don't know when closing is. I am burning time and money at the stake now waiting on them. I regret choosing to go with them, but I will update this review with whatever happens.

Update after closing loan finally:
Fees were 2% of the loan. Junk fees to a legal team that I can't negotiate. In fact the communication was so awful you eventually just have to give up and hope they give something close to the original offer. But it won't be. There were twice as much fees as their offer. The loan was much smaller, they said they could loan 70% of land with permits, but they could only do 50%. They don't lend on any soft costs. In fact throughout the build, they never fully funded a single draw whether it was in budget or not. EVEN after I finished the build (with my own cash) and had CO, they still wouldn't fully draw the loan. That's playing dirty. I spent thousands in draw "inspection" fees to not even get a full draw, and I did the "self inspections" where we don't have to hire a 3rd party.

There was this sort of trick they do where the paperwork says your loan is X, but bc of the way the math work with the land value etc, you only ever get maybe 85% of X. Communication is impossible as everyone you talk to is miles from a decision maker and might as well be an AI bot. Doesn't matter what the sales team said at any point to sell you on the loan, you won't get that.

We could never get a closing date out of them, but when we finally did, the morning of they had not sent the loan package to the title company yet still (even though we set the closing date 5 days prior). The craziest part is I went in and signed and closed on a thursday, and the lender didn't actually send the wire until the following monday. They were trying to sneak in a reappraisal without anyone noticing. My title company said they've never had that happen - 4 days after closing they send a wire! Of course they'll bill me for interest even though I didn't have the money.

During the process they checked my credit score/report 3 times which is a negative affect on my score.

Update after paying off loan:
I survived but only bc I raised 5x more down payment than they said I would need to fill the gaps from them not funding. Plus, the fees were outrageous, and no one at the company knows what's going on. I can honestly say that if you need to get a loan from civic, you are better off NOT doing the deal. I promise. Find another lender.

Similar to the others on here, I invested time to fill out a survey. I thought it was so thoughtful of them to honor a business owner's time and offer a gift card. Total lie. I was supposedly disqualified (only AFTER I gave them all my feedback), and a bogus email was provided. I emailed it and the email kicked back. This is a scam.

They've recently rolled out more features and now is a great time to onboard a new software for your company. They have an excellent value proposition, especially compared to the competition.

C'mon people. Home depot is an American staple! I think the only people in the world who don't like it have all left reviews on TP! I've spent probably $500k - $1M at this point and they are always my preferred choice.

For some reason Tesla is a love them or hate them brand. Most people LOVE them. I drive an M3 and after a couple minor warranty repairs in the first month, I have been in dreamland owning this thing for almost 2 years. No reason to ever drive another car brand the rest of my life due to their self driving capability.

Nashville TN. Competitive pricing. Good service. The salesman even brought me out a truckbed of studs one time when we were in a rush. I build and flip houses so we order from them a lot.

I build and flip houses. Ordered a first dumpster. Went okay other than squishing my neighbor's sod on the way to the back.

2nd dumpster they refused to place on anything but gravel or concrete. So we bent over backwards and spent $500 to have gravel dropped for them. When I called in for a pickup, the driver came out, took a photo of a 6x6 in front of the dumpster and left. He didn't ask framers to move it, I don't even think he got out of the truck. They charged me $150 for this, which is 1/3 the cost of the dumpster rental itself. I tried to refute it as I've used 5 dumpster companies and ALL of the other ones make an effort to get that thing picked up. They declined twice.

I just can't use a company like this again because I can't have a Sentinel on duty 6 am to 6 pm (they don't give you a time) to stand guard so the dumpster guy doesn't drive by, snap a photo, charge $150, and go to the next job site.

I used them ~2018 and it was stressful as I had to get multiple contract extensions with the seller. But we got through it and the rest was okay.

Since then, they've gone bankrupt and were bought out by another bank. So they are not stable.

I bought land to build on and started a refi for a construction loan with Civic. It's now been 7 weeks and they still have no idea what's going on. The virtual assistant processing the loan is a gopher between me and underwriting. They don't have a settlement statement to review and they don't know when closing is. I am burning time and money at the stake now waiting on them. I regret choosing to go with them, but I will update this review with whatever happens.

The free trial is a bait and switch. You'll wait for it to run a bunch of processes and then after an hour it will say you need to upgrade. I was only trying to transfer a 50MB application and it said I exceeded my limit ha. 50 MB is nothing.

HOWEVER, I did pay the $65 for the upgrade and IT WORKED. I transferred my 18 year old MS office to my new pc.

I've used them on 5 or 6 listings now (I'm a real estate investor) and have gotten so frustrated with the clunkiness. Main thing is the showings software and dashboard stuff is always a mess and it's hard to wrangle all the details. Then when there's problems, their team takes a day or two to respond (when you have showings actively happening and need a quick response). The customer service people half the time don't really know what's going on or how to solve the issue. But everything else they do pretty well.

Google Fiber is in my neighborhood, my house even had the fiber run to it by the previous owners. 4 different GF crews had to come to the house over the course of a month and I was never able to get internet. the communication between their departments was zero, so I had to keep calling or getting on the chat to find out if they fixed it, or if they had somebody scheduled to fix it. Each time, the customer service people had little to no idea what was going on. They didn't know what hardware google uses. They didn't know google's internal workflows (like how actually schedule a crew, etc).

Finally, I gave up and requested a cancellation. Another dysfunctional rep -- two days later, no emails no nothing, and my card gets charged. I hop back on the chat and 53 minutes later they again told me the account is cancelled and my card is refunded. Let's hope this time was a charm. I'm NEVER going back to google fiber - They are worse than comcast!

At&t provides internet to 2 of my houses. Pretty competitive price. We pay for gigabit fiber (1000mbps) and I just ran a test with one other adult in the house likely using internet, and I got 50. No where near a gig. Also, they added a $100 dispatch fee to fix their line between two poles that disconnected in a storm or something. I'm in the chat now to dispute this as obviously I shouldn't have to pay for them maintaining their infrastructure.

Overall I'm pleased with the CB service as a client. My first CB quit without telling anyone, but my current one is doing great. I did accept a CB in a 2nd FT position, but she was way underqualified and we had to let her go. So my only advice is to do your own due diligence on the CB's that they bring to you to interview. If you don't think they can do it, you might be right.

Had a Whirlpool Duet washer, I bought it used and it lasted a total of 10 years. Not impressive, but in my mind, this is satisfactory.

11 month old dryer won't turn on or show any signs of power. call out warranty repair, wait a week. He fixes it, it works for 10 minutes, breaks the next day. Wait 2 weeks for another warranty repair, then they call me day of to reschedule. Unit is a complete hunk of junk, I will never buy GE ever again.

UI is great, UX is muddied. It can automeasure but then you are left figuring out formulas for how much drywall you need, etc. Defeats the purpose of auto-measure. It's a beautiful product but not designed with actual users in mind. A lot of holes in the process that they need to iron out.

I'm rounding up to 3 stars because I don't want to smear their business but I think people should be warned. Their listing for an auto part I ordered showed excellent photos, so I ordered. They sent me a different auto part that was supposedly in the same class of cosmetic damages, but it was very beat up and looked nothing like the photos. Scratches, dents gallore.

They said I can return it (they gave me a refund) and order a "perfect" condition part for 66% more cost. Having no other option I obliged, and that part came with two long scratches but otherwise good condition. I would absolutely not order from them again because you just don't know what you'll get.

Prices are among the better for OEM parts, however I ordered a part and got an email 10 minutes later my order was cancelled. No explanation, though I believe they are out of stock on it.

Relentless spam. Opting out doubled their rate of sending their crap.