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Lot Loans

Purchase land now and plan your future build on your timeline with a Civista Lot Loan.

Buy the Land. Build When You're Ready.

Finding the right piece of land doesn’t always align with construction timelines. Civista’s Lot Loans allow you to purchase property now while giving you time to finalize building plans, permits, and timelines before breaking ground.

Civista’s Lot Loans allow you to purchase property with the intent to build later, helping you secure the location you want while you finalize plans, permits, and timelines. Because these loans are designed for future construction, they typically require additional planning and higher qualification standards than traditional mortgage options.

Speak with a Civista mortgage expert today to explore your options and get started.

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Black couple discussing building plans with contractor

Lot Loan Advantages

Lot Loans are designed for buyers who want flexibility, planning time, and control over when construction begins.

Build On Your Time

This approach differs from construction loans and other build-ready financing, which require immediate building timelines.

Flexible Structures

Loan terms can be structured based on your financial profile, timeline, and future construction plans, allowing for a more tailored approach than traditional mortgage products.

Local Expertise, Personal Support

We live and work in the same communities as you, and we’re invested in helping you navigate your options with clarity. Wherever you are in your homeownership journey, you’ll work with a lender who listens carefully and helps identify options that fit your needs.
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Couple plan home build on lot