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Mortgage Overview

A happy couple hold their smiling young daughter in front of their new home purchased with a Civic mortgage.
Civic Mortgages

Own your future

Use your monthly payments to help build valuable equity, financial strength, and a sense of belonging in your community.


Find your mortgage match

Your unique situation, goals and resources help to create your mortgage match. At Civic, there are three mortgage options to consider. We see you, future homeowner. Now let's help you find your best match.

Adjustable-Rate Mortgage

This type of home loan can be helpful if you plan to own the home for a short period of time. Rate increases are limited to give you peace of mind. And our dedicated Mortgage Center team is ready to listen to your unique needs.

Is this the one for you?

A woman and man enter an empty house they are thinking about buying and picture themselves living there.

Fixed-Rate Mortgage

Get stable payments and stay unattached to the market. This mortgage interest rate will not change no matter how the market moves. Freely budget and save in predictable ways. Our team is committed to you becoming a homeowner — for the first, second or even third time.

Could this be your match? 

An excited young boy and his parents carry more boxes into their new home.

First-Time Homebuyer Loan

We get it. There is a lot to consider. Enjoy guidance from people who understand the excitement and anxiety of buying your first home. Keep it affordable with no down payment requirements and special mortgage programs. Pay it off early without penalty. (We’ll actually cheer you on!)

Will this be your first homebuying experience?

A mother holding a box and a father carrying his daughter and a box stand outside of their first home.

Mortgage Calculators

Part of the homebuying process is knowing what is financially possible for you — before making an offer on a home. Try our mortgage calculators from Civic partner, Credit Union Mortgage Association (CUMA), to explore how your numbers add up in each area of the buying decision.

Do I refinance, or don’t I?


There are a few reasons you might consider replacing your current mortgage with a new one that better meets your needs. Some benefits of refinancing a mortgage:

  • Getting a better interest rate 
  • Shortening the term of your loan 
  • Freeing up some home equity in the form of cash
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You created value, from your home with your monthly mortgage payments. Tap into that equity and borrow from yourself with a Home Equity Line of Credit (HELOC):

  • Pay for home improvements that can help increase the value of your home 
  • Make tuition payments 
  • Be prepared for unexpected medical expenses 

Pairing a HELOC with a refinance can give you the needed financial resources to make improvements to your home instead of selling and buying another home.

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Refinance Calculators

Is now a good time to refinance? Use our refinance calculators to look at your specific numbers. As you might expect, the numbers tell the truth and will help make sense of your unique situation.

Special mortgage programs can help take some stress out of homebuying. They add value to your homeownership experience by keeping it affordable.


Find the assistance you need

  • First-Time Homebuyer Product
  • Community Partners Product
  • Federal Housing Administration (FHA) Loan
  • Department of Veterans Affairs (VA) Loan
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Visit the Mortgage Center

We’ve partnered with Credit Union Mortgage Association (CUMA) to provide you with personal guidance and a streamlined homebuying process. From today’s mortgage rates to everything you need to prequalify and apply, the Mortgage Center is your go-to for all things home.

For the best member experience, use the Mortgage Center with a computer.

You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

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All mortgage loans are subject to approval and to credit union underwriting standards. Loan product, availability and terms are subject to change.