Building your own home is exciting! And it's a major undertaking that takes lots of planning. Community National Bank & Trust will support your vision with a solid financial foundation and seamless strategies for each phase of the home-building process. And you'll enjoy our very competitive loan rates!
   On average, construction of a custom-built home can take from 4-12 months. We offer loans for lot/land purchases, as well as for interim construction. And when you're ready to move in, your CNB&T mortgage lender will see that your interim loan transitions smoothly to your permanent mortgage. Click here for a general comparison of the types of long-term mortgage loans available.

Interim Construction Loan

Many contractors prefer working with Community National for good reason. Having inspectors available in-house makes inspections more efficient. And when you are approved for an interim construction loan, CNB&T offers you a free building account through which you can track expenses and the funds disbursed to your contractor.

A true benefit: you will only pay interest on the amount disbursed. Your interest payment will start out small, and then gradually increase as you use more of the funds. This way, you are not paying interest on the total loan amount for the entire construction period.

Builders appreciate that these transactions are handled in a timely manner by Community National, without delays of a week or more that they sometimes encounter at other financial institutions. Your building account provides you with excellent documentation for tax purposes—even of money you may have added to the loan account. Click here to complete an interim construction loan application.

What you should know


  • You must be the owner of the land on which you are building your home, or the land must be included in the terms of the construction sales contract.
  • You must select a builder that is acceptable to Community National Bank & Trust of Texas.
  • Both you and your builder must approve final plans and specifications, also subject to review by CNB&T.
  • You may not act as your own project manager or "general contractor."


From shovel to shingle

When you plan to build your own home, you become the architect of your dreams. Count on your knowledgeable Community National mortgage lender to respect you and your dreams, to delight in every opportunity along the way to relieve a burden and be of service.