Home Equity Loans
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Our home equity loan alternatives turn the equity you've built into money you can utilize for all sorts of requirements. Each features a lower rate than a lot of other banks and versatile terms - as well as the devoted service you understand us for - so you can get more made with assistance from your home. Whether you're on a budget or making a huge purchase, we'll discover the one that best fits your goals.
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Aaron O. Customer considering that 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 relied on partner to count on

  • Competitive rate of interest and terms for significant expenses and strategies
  • A 0.25% discount with automatic payment from a Frost checking or cost savings account (very first liens do not certify).
  • A prospective tax reduction on the interest you pay, if you use your loan for qualifying home enhancements. Consult your tax consultant for information.
  • A Frost Plus Account without any monthly service charge

    * 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 a basic rate of interest of 7.39% would yield a payment quantity of $159.78 monthly with a car debit discount rate and a yearly portion rate (APR) of 7.39%. †

    Frost Progress Home Equity Loan Details

    Designed for families on a spending plan, the Frost Progress Home Equity Loan comes with:

    - A relied on partner to rely on.
  • Competitive rates and terms for important needs and must-have tasks.
  • No application fees or yearly costs.
  • No cost for paying off your loan faster.
  • A Frost Plus Account with no regular monthly service charge

    Our Progress Home Equity Loan is offered to customers who make less than 80% of the area average earnings. Income eligibility will be determined using Area Median Income (AMI) which can be discovered here.

    Interest rate reliable since 08/18/2025.

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

    Let us assist you

    If you're uncertain which loan is right 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 enhancement loan items.

    Terms to understand:

    A fast order of business before you get started

    Step 1: Gather requirements

    - Government-issued ID.
  • Social Security Number.
  • You'll likewise need to submit specifics about your earnings and home, so have your pay stubs, homeowner's insurance coverage and mortgage statements convenient

    Step 2: Create brand-new username and password

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

    Step 3: Make note of term length options

    On the application, you'll be prompted 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 very first lien, the loan term can be 120 or 240 months. Please note, for a Home Equity Loan, the following use:

    - 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 get approved for this product.
  • Frost offers property loan products 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.
  • The start of construction deal with improvements before closing may impact your ability to get approved for this product. If building and construction has started, please contact a Frost lender.

    View our fraud avoidance tips

    Ready to start?

    Need to log back in and finish application?

    THIRD-PARTY SITE

    You will open a third-party site in a separate web browser window. The website you are about to enter may be less safe and secure and might have a privacy declaration that differs from Frost. The items and services provided on this third-party site are not offered or guaranteed by Frost.

    Please note that you'll still be able to view the present page on frostbank.com.

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    - Routing number.
  • 114000093

    - SWIFT code

    - FRSTUS44

    Rates subject to alter. All loans subject to credit approval. Frost Home Equity Loan rates shown are for the second lien position. First lien items are readily available. Ask a Frost Banker for information.

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

    By Texas law, the optimum quantity you can borrow with any Home Equity Loan or a Home Equity Line of Credit is 80% of your value. You might have only one Home Equity Loan or Credit line protected by the exact 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 on loan amounts. Contact 866-376-7889 for details.

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

    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.

    † This example is intended for illustration purposes just. Actual rates and payments might differ.

    Deposit and loan products used by Frost Bank, Member FDIC

    © 2025 Cullen/Frost Bankers, Inc. All rights booked.
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