It began as a vision of the most decorated leadership team in the industry… To build a company that could empower our people, our partners and our customers to achieve unparalleled success by reimagining what a private lender could and should be. CV3 Financial Services was built to provide financing for non-owner occupied investment properties, providing flexible loan solutions combined with the experience you can trust.

Tessar has irrefutably made an impact on the private lending industry at-large — and continued to do so with each milestone he led CIVIC to achieve. The breadth of Tessar's leadership and vision exceeds far beyond the walls of any organization and is more so in a realm all of its own. When Tessar left 30 years of conventional lending, it was because of how clearly he saw the monumental, untapped potential of the company and the private lending industry as a whole.• Scaled CIVIC to expand from two to 16 branch locations, 40 to 400+ employees, and $20MM to just under $300MM+ per month in funding — the fastest growing private money company ever to hit $1B in funding within a 12-mo period• Created the multifamily channel, the long-term rental take-out product, and the successful rollout of the first true correspondent channel in the private money space• Increased transparency & visibility into the performance of private money loans through securitizations, successfully closing three of the largest private money only securitizations (excluding multifamily properties) — bringing the structure and discipline of conventional lending to the private money sector• Established trust & reliability with capital market partners in the performance of CIVIC loans, and improved the reputation for other private money lenders• Provided oversight & responsibility of day-to-day operations, launching the company to surpass $6B in historic funding and 15K loans• Forged the success of CIVIC’s secured online portal, ORIGIN8™ - the proprietary technology arming brokers and borrowers with full transparency into the status of their loan• Navigated the company through COVID and dramatic changes with direct communication, inspiration, and resolve — resulting in achievement of an industry leader position among the top 3 institutional private money lenders• Defined and unveiled CIVIC’s core ideologies, core purpose & core values as an integral part of the CIVIC culture

Responsible for day-to-day operations of the Retail, Direct-to-Consumer, and Affinity originations. In his 10 years at the company, Tessar led Skyline’s strategic growth initiatives and expansion into new markets by identifying, acquiring, integrating, and scaling the growth of its new branches, divisions, and companies.• Scaled Skyline from a retail mortgage company funding $40M per month into a multi-channel originator with $3.5B funded annually• Grew the company from 2 branches to more than 40; expanding purchase production from 20% to over 70% of funded volume• Built lead generation and business development channels for both loan officer centric and affinity-based partners• Constructed a new, Dodd Frank-compliant compensation plan for loan officers that included operational procedures and reporting to monitor results• Maintained strong, consistent production results, leading to the acquisition of Skyline by Finance of America

A Southern California retail mortgage banking firm, founded in 1995, that specialized in residential, commercial, and private money mortgages. Tessar served as an original founder, building the company from start up to employer of 40 loan officers.• Funded in excess of $500M per year, recognized as one of the top originating mortgage brokerages in the state by Countrywide, Chase, Wells Fargo, Aegis and Provident• Initiated and managed merger between Capital Line Financial and Skyline Financial, and oversaw acquisition of three mid-sized brokerages• Facilitated one of the first joint ventures between the financial service industry and lenders utilizing the Controlled Business Arrangement model• Created a Predictive Dialer system that cut our cost-to-produce by 40%• Introduced software to consumers allowing them to access loan status on demand

A California retail mortgage banking firm, founded in 1989, that specialized in residential, commercial, and private money mortgages. Tessar served as an original founder, employing up to 100 loan officers.• Funded in excess of $800M per year at peak volume• Created one of the first mortgage related CRM systems connecting the loan officers and customers in an automated fashion• Created one of the first joint ventures between a nationally recognized real estate company and a lender• Formed the Mortgage Exception Group (MEG) to pursue the formation of CBAs with banks and credit unions allowing such entities to benefit from non-interest income, customer service in a compliant manner• Facilitated relationships with 24 banking institutions that closed in excess of 500 loans the first year