Get to Know

Civic Financial Services is a well-capitalized Private Money Lender established in 2014 by its parent companies, Wedgewood Inc. and HMC Assets LLC, to meet the needs of investors that did not fit within traditional lending criteria.

The Civic Difference

Common Sense Lending

We specialize in the finance of investment properties and offer consistent Non-Delegated Underwriting. If your transaction and strategy makes sense, we will finance it.

Relationship Building

We are invested in your success by providing opportunity and valuable tools you need to fund your investment property loans quickly and efficiently.

Local Control

Our Underwriters, Valuations Team and dedicated Correspondent Support Staff know your neighborhood and understand your needs, which makes our loan process transparent and fast.

Straight Forward Terms

CIVIC offers a specialized set of market competitive products. By partnering with CIVIC, you are able to offer your Real Estate Investor clients best-in-class Bridge and Rental loans.


Bill Tessar

With over 30 years of Retail Mortgage experience, William J. Tessar, President of Civic Financial Services, founded and operated two large mortgage origination operations here in Southern California that have resulted in over $35 Billion in residential funding's throughout his career. Formally one of the nation’s top leading originators, William’s personal origination experience and hands on approach has resulted in him recruiting, training and retaining hundreds of retail loan professionals over the last three decades.

William Tessar


Whit McCarthy

Whit McCarthy serves as Senior Vice President of Correspondent Lending and one of the founding members of Civic Financial Services. Whit possesses a leadership, deal-vetting and sales management style that stems from his own personal origination experience and transpires into an expert industry approach. With strengths in organization, process and production plans, Whit brings an all-around common sense approach to the daily sales operations. Beyond recruiting and managing top talent in the lending space, he also continues success with his personal originations. Having helped to grow the organization to surpass $3 billion in originations, Whit upholds a sales management style that poises CIVIC to continue to reach new production heights.

Whit McCarthy

SVP, Correspondent Lending

Merced Cohen

Prior to joining CIVIC in March 2017 as Director of Operations, Merced Cohen served as Executive Vice President of Operations at Skyline Financial Corporation. Over her 10-year tenure at Skyline, Merced streamlined the operational complexities of loan originations and successfully implemented new communication initiatives that were essential to the company’s growth from 4 regional branches to 47 branches. As co-founder of Apex Lending and Nevis Funding, two wholesale lenders, and an executive with 30+ years of mortgage experience across the retail, wholesale, and construction lending sectors, Merced’s industry expertise and success building cohesive organizations are key to CIVIC’s growth within the private money space.

Merced Cohen

Director of Operations

Norma Navarro

Coming soon...

Norma Navarro

Operations Manager Corresponding Lending

Specialized Products. Straightforward Terms. Exceptional Service.

We’re a private money lender, specializing in the financing of non-owner occupied investment properties. Civic provides funding for investment property acquisition and refinancing. We use our own institutional capital to provide business purpose loans for clients that seek to:

  • Fix & Flip
  • Buy & Hold
  • Rate & Term
  • Cash Out Refinance
  • Bridge Financing

With a specialized set of market competitive products, Civic makes possible the ability to acquire multiple properties and gives investors leverage over their cash position.

Our Affiliates

An integrated network of companies concentrated on real estate opportunities.
HMC Assets
Specializes in the acquisition and management of distressed debt.
Axiom Home Warranty
Home warranty service contracts.
Main Street Management
Providing property management for rental units.
Maxim Properties
A real estate brokerage.
JetCenter Los Angeles
A full-service, fixed-based operator.
Advanced Air Charters
Charter air and aircraft rental service at Hawthorne Airport.
Maverick Design
Residential interior design and staging services.

Ready to Learn More About CIVIC?

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Civic Financial is an Equal Housing Lender

© 2020 Civic Financial All Rights Reserved. This is not a commitment to lend. Restrictions may apply. LTV limit is based on current, accurate appraised value. Civic Financial Services, LLC reserves the right to amend rates and guidelines. All loans are made in compliance with Federal, State, and Local laws. Civic Financial Services, LLC is a California Finance Lender under NMLS 1099109 and the California Department of Business Oversight License #603L321, AZ Mortgage Broker License #092863, FL Mortgage Lender Servicer License #MLD1536, ID Mortgage Broker/Lender License #MBL-9610, NV Mortgage License MB4419, NV Broker License #4443, NV NMLS ID #1410002, OR Mortgage Lending License #ML-5282, UT DRE Mortgage Entity License #10570639. Civic Financial Services, LLC is an equal opportunity lender. Powered by - Mortgage Marketing