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

With a specialized set of market competitive products, our 1, 2, and 4 Year Term with Interest Only Payments offers endless possibilities for your investor borrower to acquire multiple properties and gain leverage over their cash position.


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


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

Zeenat Zonte

Zeenat has over 20 years of experience in the mortgage sector, most recently serving as Regional Sales Manager for ditech. During her tenure, she recruited some of the top account executives in the lending space. With strengths in organization, process and team-building, Zeenat has earned a reputation of leading with inspiration to attain immediate and long-term production plans. Beyond attracting and managing strong talent, Zeenat has additional experience in working with successful originators in Southern CA and the Southwest to achieve and exceed production goals. Her esteemed portfolio includes having held positions for New Penn Financial, ally Bank/GMAC, Stearns Lending, Skyline Financial Corp., Capital One and North Fork/Greenpoint Bank.

Zeenat Zonte

Director of Correspondent Lending - National

Nancy Aplin

Nancy Aplin brings to CIVIC over 20 years of experience in Third Party Originations. She most recently served at Ditech Financial, where she was responsible for B2B sales and managing relationships with mortgage brokers and mortgage bankers. In joining Civic Financial Services, Nancy is responsible for managing the Correspondent Channel, which allows mortgage banking clients to originate and close loans in their own name. Her insight to the lending process, production goals and the correspondent space are of immense value as the division’s growth catapults to new levels. Nancy is a graduate of the University of Southern California, and prior to joining CIVIC she also worked as a top-producing Account Executive at Countrywide, Bank of America, Ally Bank/GMAC, and New Penn Financial.

Nancy Aplin

Regional Sales Manager – West

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

© 2019 Civic Financial All Rights Reserved. Located in Redondo Beach, California, Civic Financial Services LLC is a leading private money lending provider servicing the greater Los Angeles, Dallas, Phoenix, Seattle, Portland, Denver, Miami, South Beach, Tampa, Sarasota, San Diego, San Francisco, Irvine, Las Vegas, San Jose, Riverside, San Bernardino and surrounding communities. Civic specializes in short term, non-owner occupied and investment properties financing utilizing private hard money and bridge loans.

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, 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