FDIC-Insured - Backed by the full faith and credit of the U.S. Government 
Locations
Search
Built Around You
Bring the image of the ideal home to life with help from Civista. Our residential construction loans combine clear structure with built-in flexibility, helping you manage each phase of construction with greater ease. We also offer Lot Loans that allow you to secure land now and build when the timing is right.
Speak with an expert mortgage lender today to see how Civista can help you take your dream home from the drawing board to the doorstep.
Construction Loan Benefits
Key features that help simplify construction financing and manage costs along the way.
Structure
- A single closing covers both your construction loan and permanent mortgage — meaning one set of closing costs and a locked-in interest rate before you break ground.
- Make interest-only payments for up to one year, based on the amount drawn
- Exclude current housing costs from debt-to-income limits¹
- Mortgage insurance may not be required1
- Direct coordination with your chosen builder
Flexibility
- Easy extensions if your project experiences unexpected delays1
- Options for adjustable- or fixed-rate financing
- Access financing for up to 95 percent of the fair market property value — or 95 percent of lot value plus construction cost (whichever is less)2
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.
