Honest, reliable lending for real estate investors.

Mike Welcom brings 9 years of mortgage and private lending experience to every investor relationship he builds. His background as an active real estate investor gives him a perspective most loan officers don’t have, he’s been on the borrower side of the table, which means he understands how deals are structured, what timelines actually look like, and what it takes to close with confidence.

At CIVIC, Mike works with fix-and-flip operators, bridge borrowers, and buy-and-hold investors who need a lending partner that moves fast and speaks their language. No hand-holding, no guesswork, just straightforward guidance from someone who knows the business.

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