Couple finalizing their refinancing plan

Refinancing Options

Make Your Home's Equity Work Harder for You

Make Your Home Work for You

Life changes—and your mortgage can, too. Whether you're looking to lower your monthly payment, unlock cash, consolidate debt, or move comfortably into your next home, Civista offers refinancing solutions designed to support your financial goals.

Refinance Options:

Bridge HELOC: Tap into your current home’s equity to purchase a new one before selling.
Home Equity Lines of Credit (HELOCs): Flexible borrowing for renovations, debt consolidation, or unexpected expenses.
Traditional Refinancing: Lower your rate, change your term, or restructure your monthly payment.

What Civista Does for You:

Helps you decide if refinancing makes financial sense now
Provides flexible options to fit your changing needs
Walks you through the process quickly so you can start saving or investing right away

At Civista, mortgages are personal. We live and work in the same communities as you, and we’re invested in helping you succeed. No matter where you are in your homeownership journey, you’ll find a lender who listens, cares, and works to find the best solution for your future.

Apply Now