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Civista’s mortgage lenders work with you one-on-one to explore your options, answer questions, and help you move forward with confidence — whether you’re buying, refinancing, or building.
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Ric Harves
Senior Mortgage Lender | NMLS #270139
With over 37 years of experience in banking and mortgage lending, I'm committed to helping you find the right mortgage solution. I began my career in 1988 after earning a degree from Ball State University and have been proudly serving individuals and families ever since. Based in Dearborn and Ripley Counties, I assist with home purchases throughout Indiana, Ohio, and Kentucky. Whether you're buying your first home or your next, I aim to make the process smooth and stress-free. I've been married for 37 years, have three grown children, and one grandson. I enjoy local high school basketball, cheering on the Reds and Bengals, and relaxing by the ocean. It would be my honor to help you with your home purchase.