Mortgage Loans

From “the-ground-up” construction, to buying your first home, to refinancing your current home mortgage, Karnes County National Bank may be able to help you with your home mortgage needs. 

Karnes County National Bank is committed to excellence in lending.  Our experienced loan officers and support staff are easily accessible and are committed to fulfilling your loan request in a friendly and timely manner. 

Subject to credit approval.

For more information on KCNB Mortgage Loans:

  • Home Construction

    The proceeds of this loan will be used to fund the construction of your residential home.

  • Home Purchase/Refinance

    We offer home purchases and refinancing. Refinancing may help to lower the current interest rate on your mortgage, and effectively save you money in interest!

  • Vacation & Second Homes

    Another option we have is to help finance the purchase of vacation and second homes.

  • Home Equity

    This option enables you, as a homeowner, to borrow money by leveraging the equity in your home.

  • Lot Purchases

    Choose an available plot of land and we'll see if we can help with financing it!


Sign up to automatically draft payments from your eligible KCNB account so you won't have to worry about bringing us a check or cash for every payment!  Ask a representative for details.

Mortgage Loans FAQs

Bring a valid government-issued photo ID and your Social Security Card.  Current payroll information (check stubs, etc.) may also be considered.

Depending on the type of loan, additional/other documentation may be required.  Call 830-780-3317 for more information.

We do not schedule appointments to meet with our representatives.  However, we do encourage you to call your preferred location ahead of time to check on availability. 

Our business hours are from 8am-5pm, with the lobby open from 9am-3pm, Monday through Friday.

You’ll need to contact a Loan Officer for information on how to submit an application for a mortgage loan.  You can call 830-780-3317 to speak with a Loan Officer.

Need help deciding?

Give us a call at 830-780-3317 or visit any KCNB location.

  1. All loans at KCNB are subject to credit approval.

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