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Financing Options for More Complex Needs
Not every home purchase fits neatly into a traditional mortgage. Higher-value properties, multiple financing needs, or land purchases may require a more flexible approach. Civista offers specialized financing options designed to address these scenarios and help you move forward with clarity and confidence.
Explore the options or contact a Civista Mortgage Lender to discuss your situation in more detail.
Special Financing Solutions
Our special financing solutions are designed to support borrowers with non-traditional needs and to provide clear guidance when standard loans don’t apply.
Bridge HELOC
Access funds based on existing home equity to support a new purchase while you transition between properties.
Mortgage & Equity Combo Loan
Pair a first mortgage with a home equity loan to increase borrowing capacity or structure financing in a way that aligns with your overall financial strategy.
Jumbo Loans
Designed for homes that exceed conventional loan limits, jumbo loans provide financing for higher-value properties with competitive rates and personalized service.
Lot Loans
Purchase land now and build later. Lot loans allow you to secure property even if construction is not yet underway.
Residential Construction Loans
Build your dream home with confidence. Our construction loans offer flexible draws, interest-only payments during the build, and a smooth transition to your permanent mortgage.
Physician Home Loans
Specialized financing for medical professionals that excludes student loans from qualification calculations and waives PMI, helping early-career physicians buy a home sooner.
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.
