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1 Home Equity Loans

Our home equity loan alternatives turn the equity you have actually built into cash you can utilize for all sorts of needs. Each features a lower rate than most other banks and flexible terms - in addition to the devoted service you know us for - so you can get more with help from your home. Whether you're on a budget or making a big purchase, we'll discover the one that finest fits your goals.

Aaron O. Customer considering that 2021

Lots of people use a Home Equity Loan to:

Frost Home Equity Loan Details

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

- A trusted partner to depend on

Competitive rates of interest and terms for significant expenses and strategies
A 0.25% discount rate with automatic payment from a Frost monitoring or savings account (first liens do not qualify).
A possible tax reduction on the interest you pay, if you use your loan for certifying home improvements. Consult your tax consultant for information.
A Frost Plus Account with no month-to-month service charge

* This rate includes a 0.25% rate discount rate with automatic payments from a Frost checking or savings account. No discount rate for first liens.

Payment Example: A loan of $20,000 for twenty years at a simple rate of interest of 7.39% would yield a payment quantity of $159.78 per month with a car 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 rely on.
Competitive rates and terms for vital needs and must-have projects.
No application fees or yearly costs.
No cost for settling your loan earlier.
A Frost Plus Account without any month-to-month service charge

Our Progress Home Equity Loan is readily available to borrowers who make less than 80% of the location typical income. Income eligibility will be determined utilizing Area Median Income (AMI) which can be discovered here.

Annual Percentage Rate effective as of 08/18/2025.

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

Let us direct you

If you're not sure which loan is best for your requirements, our Loan Selection Tool can help direct you.

Registered Mortgage Loan Originators

Take 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 products.

Terms to understand:

A fast order of business before you get going

Step 1: Gather requirements

- Government-issued ID.
Social Security Number.
You'll also need to upload specifics about your earnings and home, so have your pay stubs, property owner's insurance coverage and mortgage declarations handy

Step 2: Create new username and password

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

Step 3: Make note of term length choices

On the application, you'll be triggered to input the loan term in months. For Home Equity Loans where this will be your second lien, the loan term can be 84, 120, 180, or 240 months. If this will be your 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 assist you identify if you have enough equity.
Homestead residential or commercial property that is owner-occupied is required. Mobile homes and apartment or condos do not certify for this product.
Frost offers domestic loan items to people throughout 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 may impact your capability to receive this item. If building and construction has actually started, please contact a Frost lender.

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Need to log back in and complete application?

THIRD-PARTY SITE

You will open a third-party site in a different web browser window. The website you will get in might be less secure and might have a privacy declaration that varies from Frost. The services and products used on this third-party site are not supplied or ensured by Frost.

Please note that you'll still have the ability to view the current page on frostbank.com.

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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 2nd 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 optimum quantity you can obtain with any Home Equity Loan or a Home Equity Credit Line is 80% of your home's evaluated value. You might have just 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 differ based upon loan amounts. Contact 866-376-7889 for details.

To ask for details or alert us of a billing error in writing, submit to Frost Bank, P.O. Box 34746, San Antonio, Texas 78265.

Frost provides residential loan items to people throughout 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 differ.

Deposit and loan products offered by Frost Bank, Member FDIC

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