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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

HomeReady® Mortgage

Down Payment 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.