Residential Construction Loans

Build Your Future with Confidence

Financing Built Around You

Creating your dream home is a major milestone—not just a project. Civista’s Residential Construction Loans are designed to support you every step of the way, keeping your build on track from foundation to final inspection.

Building a home brings exciting possibilities, along with important decisions. Our construction financing gives you the structure, flexibility, and support you need to move forward with certainty.

Why Choose Civista for Your Construction Loan?

We work directly with you and your builder to provide a smooth, predictable experience from start to finish.

Smarter Financing for Your Build

One closing covers both the construction and permanent mortgage, saving you the time and cost of multiple closings

- Interest-only payments for up to one year, based on the amount drawn
- Current housing costs excluded from debt-to-income limits¹
- No mortgage insurance required, helping you maximize every dollar

Flexibility When Construction Takes Time

- Extensions available if your project experiences unexpected delays¹
- Options for adjustable- or fixed-rate financing
- Up to 95% financing of the fair market property value—or 95% of lot value plus construction cost (whichever is less)²

Lot Loans Available

Not ready to build yet? Civista offers lot loans that let you secure your ideal location now and build later with confidence.

At Civista, we believe a strong home starts with a strong financial partner. You handle the vision—we’ll help make it possible.

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.

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