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Making Your Pet's Dream Home a Reality

Discover Civista’s Mortgage Options

Home Ownership | 4 min read | Updated: Jun 2023
Making your pet's dream a reality with a Civista Mortgage.

As a pet owner, finding the perfect home for you and your furry friend can be a daunting task in today's competitive market. Whether you're looking for a backyard for your dog to run around in or a neighborhood with nearby parks and trails, Civista Bank's mortgage options can help you make your pet’s dreams a reality.

Along with no-to-low down payment options and homebuyer grants, our mortgages offer you the flexibility to buy a home that suits both your and your pet's needs. Plus, with competitive interest rates and flexible repayment terms, you can choose a mortgage that fits your budget and lifestyle.

Making your pet's dream a reality with a Civista Mortgage.

Of course, finding the perfect home for you and your pet is not without its challenges. Many pet owners struggle to find homes that have sufficient space, are in pet-friendly communities, and have features such as pet doors or fully fenced yards. It's important to keep these considerations in mind when you're beginning your homebuying journey.  

Pet-Friendly Next Steps

Making your pet's dream a reality with a Civista Mortgage.

Getting Pre-qualified

You should consider getting pre-qualified for a mortgage before even beginning your home search. This will help you to know your budget and narrow down your options. Plus, in today's competitive market, you'll be able to make an offer right away when you find a home that has everything you and your furry friend are looking for.

Research Your Options

But what if you're already a homeowner and looking to move? We've got you covered there too. Our Civista Bridge Home Equity Line of Credit (HELOC*) allows you to access the equity in your current home. You'll be able to make an offer and purchase a new property without having to sell your home first — making the process as seamless as possible for you and your pets. No more worrying about moving twice, finding a temporary place that allows pets, or rushing to find the perfect house after your home has sold. You can even use your Bridge HELOC to make pet-friendly improvements to your new home before moving in.

Learn more tips for buying a home in a competitive market.

How to Get Started

Making your pet's dream a reality with a Civista Mortgage.

Our simple and straightforward process begins with our mortgage loan specialists. They can help you find the right home loan option that is best for you and get you pre-approved. You'll be ready to start your house hunt with confidence and a clear understanding of your budget.

But that's just the beginning. Our team of experts is here to guide you through every step of the homebuying process. Your expert lender will be there to answer all your questions and offer guidance. From the pre-qualification to closing, we'll be here for you every step of the way.

We understand that your pet is an important part of your family. That's why we're proud to offer mortgage products that make buying a home easier for pet owners. Get started today by contacting a Civista Mortgage Specialist and taking the first step towards finding the perfect home for you and your furry friend.

*Important information. 

Home Equity Line of Credit (HELOC) lowest rate is Prime (8.50% Annual Percentage Rate (APR) as of 7/27/23). The lowest rate includes no closing costs for equity lines under $500,000.00 that remain open for at least 36 months. If you close your line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 7/27/23) may be assessed. Annual fee is $75.00 and is waived the first year. The APR may vary based on The Wall Street Journal “Prime Rate” (Prime) as published on the first day of the month. Minimum APR is 3.75% and maximum APR is 25.00% OH and 18% IN. Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio. Property insurance required and flood insurance may be required. Consult your tax advisor regarding the tax deductibility of interest. Important Consideration when managing Interest-Only Payments: the interest rate on a home equity line of credit is variable; therefore, your monthly interest-only payment may change with market rates. Your principal balance is only reduced when you make voluntary principal payments during the 15-year draw period of your home equity line of credit. At maturity, any remaining account balance outstanding will be due in a single balloon payment. At that time, the bank may, but is not obligated to, refinance the line of credit. Subject to credit and property approval.

Loan details are as of July 2023 and may be subject to change.

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