Home Equity Loans

Our home equity loan choices turn the equity you have actually built into money you can utilize for all sorts of needs. Each includes a lower rate than most other banks and flexible terms - in addition to the dedicated service you know us for - so you can get more made with help from your home. Whether you're on a budget plan or making a huge purchase, we'll find the one that best fits your objectives.

Aaron O. Customer since 2021

Lots of people utilize a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around versatility, the Frost Home Equity Loan comes with:

- A trusted partner to rely on
- Competitive interest rates and terms for major expenditures and strategies
- A 0.25% discount rate with automated payment from a Frost monitoring or cost savings account (very first liens do not qualify).
- A prospective tax reduction on the interest you pay, if you use your loan for certifying home enhancements. Consult your tax advisor for information.
- A Frost Plus Account without any monthly service fee

* This rate consists of a 0.25% rate discount with automatic payments from a Frost monitoring or cost savings account. No discount rate for very first liens.

Payment Example: A loan of $20,000 for twenty years at an easy rates of interest of 7.39% would yield a payment amount of $159.78 per month with a vehicle debit discount rate and an interest rate (APR) of 7.39%. †

Frost Progress Home Equity Loan Details

Designed for households on a budget, the Frost Progress Home Equity Loan includes:

- A trusted partner to depend on.
- Competitive rates and terms for vital needs and essential jobs.
- No application charges or yearly costs.
- No cost for settling your loan quicker.
- A Frost Plus Account without any regular monthly service charge

Our Progress Home Equity Loan is readily available to borrowers who make less than 80% of the area median earnings. Income eligibility will be determined using Area Median Income (AMI) which can be found here.

Interest rate efficient since 08/18/2025.

Payment Example: A loan of $50,000 for 30 years at an easy rates of interest of 4.49% would yield a payment quantity of $253.05 per month with an auto debit discount and an interest rate (APR) of 4.49%. †

Let us guide you

If you're not sure which loan is right for your requirements, our Loan Selection Tool can assist guide you.

Registered Mortgage Loan Originators

Have a look at our list of Frost Registered Mortgage Loan Originators for our home equity loans, home equity lines of credit and home improvement loan items.

Terms to know:

A fast order of business before you get going

Step 1: Gather requirements

- Government-issued ID.
- Social Security Number.
- You'll also require to submit specifics about your income and home, so have your pay stubs, property owner's insurance and mortgage statements useful

Step 2: Create brand-new username and password

- When you click to begin your application listed below, you'll require to create a brand-new set of login credentials specific to this loan application

Step 3: Make note of term length alternatives

On the application, you'll be triggered to input the loan term in months. For Home Equity Loans where this will be your 2nd lien, the loan term can be 84, 120, 180, or 240 months. If this will be your very first lien, the loan term can be 120 or 240 months. Please note, for a Home Equity Loan, the following apply:

- Our Loan Selection Tool can help you figure out if you have enough equity.
- Homestead residential or commercial property that is owner-occupied is needed. Mobile homes and apartment or condos do not get approved for this product.
- Frost offers property loan items to people across Texas in the Austin, Bryan/College Station, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, San Antonio and Victoria regions.
- The start of building work on improvements before closing might impact your capability to get approved for this product. If construction has actually started, please contact a Frost banker.

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- Routing number.
- 114000093

- SWIFT code

- FRSTUS44

Rates subject to change. All loans based on credit approval. Frost Home Equity Loan rates revealed are for the second lien position. First lien products are offered. Ask a Frost Banker for information.

For Wall Street Journal (WSJ) Prime, call 866-376-7889.

By Texas law, the maximum quantity you can borrow with any Home Equity Loan or a Home Equity Credit Line is 80% of your home's assessed value. You might have only one Home Equity Loan or Line of Credit secured by the very same residential or commercial property at any one time. You should wait one year and one day from the closing of your Home Equity Loan before closing on a brand-new Home Equity Credit line.

Equity requirements vary based upon loan amounts. Contact 866-376-7889 for details.

To inquire or notify us of a billing mistake in writing, send to Frost Bank, P.O. Box 34746, San Antonio, Texas 78265.

Frost provides domestic loan items to individuals across Texas in the Austin, Bryan/College Station, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, San Antonio and Victoria areas.

† This example is planned for illustration purposes only. Actual rates and payments might vary.

Deposit and loan items provided by Frost Bank, Member FDIC