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Community View Home Loan

A flexible home loan program designed to make qualifying and purchasing a home more attainable for eligible buyers.

A More Flexible Path to Homeownership

Civista’s Community View Home Loan Program is designed to support first-time buyers and households purchasing homes in qualifying neighborhoods. By combining flexible financing features with down payment assistance, the program helps reduce common barriers to homeownership.

Contact a Civista Mortgage Lender today to review eligibility and next steps.

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Community View Home Loan Features

This program includes features designed to reduce upfront costs and expand access to home financing for qualified buyers.

Up to 100 Percent Financing

Finance up to the full purchase price of your home with fixed-rate financing, helping minimize upfront cash requirements for eligible buyers.

No Private Mortgage Insurance Required

Reduce your monthly costs by cutting out requirements for PMI.

Down Payment Grant

Eligible borrowers and properties can receive a $5,000 grant to assist with their down payment. Income and property guidelines apply.

Homebuyer Counseling

Civista will help cover the cost of required homeownership counseling sessions, so you can meet program requirements and better understand the responsibilities of homeownership.

Flexible Eligibility

The Community View Home Loan is designed for first-time buyers with modest incomes and for buyers purchasing in low-to-moderate income neighborhoods. The program offers fixed-rate financing, allows debt-to-income ratios of up to 50%, and may accommodate borrowers with limited credit history, subject to program guidelines.

See Affordable Homeownership Options

Civista helps first-time buyers explore specialized programs and more accessible financing options. Learn about your eligibility and get guidance through the application process.
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