The Civista Community View Home Loan Program
Saving for a down payment can feel like the biggest hurdle on the path to buying a home. Civista’s Community View Home Loan Program is designed to make homeownership more accessible for first-time buyers and households purchasing in qualifying neighborhoods.
This program combines flexible financing, no PMI, and down payment support—so you can take your next step with confidence.
Your Path to Homeownership Just Got Easier
The Community View program provides several key advantages to help you purchase your home sooner.
Up to 100% Financing
Get a fixed-rate mortgage with financing up to 100% of the home’s purchase price—an ideal option for first-time buyers.
No Private Mortgage Insurance (PMI)
Without PMI, more of your money stays in your budget each month.
$5,000 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 Education Support
We help cover the cost of required homebuyer counseling so you can feel prepared for the responsibilities of homeownership.
Flexible Eligibility
Designed for first-time homebuyers with modest income or those purchasing in low-to-moderate income neighborhoods.
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- Fixed-rate financing with options for buyers with low or building credit
- Up to 50% debt-to-income (DTI) ratio allowed for qualifying borrowers
