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Honest, reliable lending for real estate investors.

Rick Hernandes

Rick Hernandes

Vice President - Account Executive

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Rick is an experienced Account Executive with over 15yrs experience in real estate financing. His vast knowledge includes non-QM, rental, rehab, ground up construction and commercial products. He stresses the importance of partnerships with real estate investors and brokers in order to meet their financing needs.

CIVIC Financial Services provides Fix & Flip Exposure Limit, Bridge, New Construction, and Single/Portfolio Rental loans to residential real estate investors across the country, helping our clients overcome traditional financing hurdles and build long-term wealth through real estate investment.

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    CIVIC delivers simple, honest, reliable lending for real estate investors.

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    ©2025 CIVIC Financial Services, LLC. is part of the Roc360 family of companies. A Roc360 affiliate is licensed as a California Finance Lender under Department of Financial Protection and Innovation 60DBO-69051; Arizona Commercial Mortgage Banker License 1002735; Florida Mortgage Lender Servicer License MLD1778; Nevada Mortgage Company (License #5100); North Carolina Loan Broker Registration Filing 315; West Virginia State Tax Department, Account #2410-0931. NMLS Company ID 1804080. *Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc. All rights reserved. Equal housing lender.