
1 YEAR
NO PREPAYMENT PREMIUM
This is a great program for investors that want to refinance and stabilize a property with newly completed renovation or construction while you secure your exit.
2 YEAR
PRE-PAYMENT PREMIUM:
6 MONTHS
A two-year term gives you the flexibility to complete your fix and flip project, stabilize for long term hold, or to give you time to qualify for a conforming loan down the road.

Let CIVIC partner with you to refinance your construction loan and recapitalize on equity and construction costs so you can start your next project. Investors like you can utilize the loan to complete any final work to prepare the property for sale or stabilize the property for long term hold. This enables you to move on to your next project more quickly rather than waiting to access your funds until the property sells.
WHAT MAKES THIS A GREAT PROGRAM?
- No prepayment premium on 1-year term
- Foundation, framing, electrical, and plumbing must be 100% complete
- Interest-only payments
- Stated-income only
- No minimum DSCR requirement on 1-year term