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Low-Rate Loans Focused on You.

Why choose Civista Bank when buying your home?

Since 1884, Civista Bank has helped generations of families buy their first homes and grow into new homes.  We offer a variety of homebuyer assistance programs to help low-to-moderate income households purchase a home.  You'll find trusted solutions from local mortgage experts focused on you.

  • You'll work with local mortgage experts
  • Flexible financing options
  • Over 130 years of experience

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HomeReady® Mortgage

Down Payment Assistance Features:

  • Down Payment as low as 3% of the home's purchase price
  • No minimum borrower contribution toward down payment.  Funds can come entirely from other sources (gifts and other assistance programs).

Expanded Loan Eligibility Features:

  • Allows for co-borrowers (like parents) who do not live on the property with you
  • Income from extended family living with you may be considered in loan qualification
  • Available to both first-time and previous homebuyers
  • A required homeowner education course prepares you for the ongoing responsibilities and costs of homeownership
  • No income limits for properties in low income neighborhoods

All loans are subject to credit approval as well as specific program requirements and guidelines.  HomeReady® is a trademark of Fannie Mae.