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Our home equity loan alternatives turn the equity you have actually constructed into money you can utilize for all sorts of requirements. Each a lower rate than the majority of other banks and versatile terms - as well as the devoted service you understand us for - so you can get more made with aid from your home. Whether you're on a spending plan or making a big purchase, we'll find the one that finest fits your objectives.

Aaron O. Customer because 2021

Many individuals use a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around flexibility, the Frost Home Equity Loan includes:

- A relied on partner to depend on

Competitive interest rates and terms for major expenses and plans
A 0.25% discount with automated payment from a Frost monitoring or savings account (first liens do not qualify).
A possible tax reduction on the interest you pay, if you utilize your loan for qualifying home enhancements. Consult your tax advisor for details.
A Frost Plus Account without any month-to-month service fee

* This rate includes 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 20 years at a simple rate 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 families on a spending plan, the Frost Progress Home Equity Loan includes:

- A trusted partner to rely on. - Competitive rates and terms for necessary requirements and essential jobs.
No application charges or annual fees.
No charge for settling your loan sooner.
A Frost Plus Account without any month-to-month service charge

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

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

Payment Example: A loan of $50,000 for 30 years at a basic interest rate 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 unsure which loan is right for your requirements, our Loan Selection Tool can assist assist you.

Registered Mortgage Loan Originators

Check out our list of Frost Registered Mortgage Loan Originators for our home equity loans, home equity credit lines and home enhancement loan products.

Terms to understand:

A fast order of business before you get begun

Step 1: Gather requirements

- Government-issued ID.
Social Security Number.
You'll likewise require to upload specifics about your earnings and home, so have your pay stubs, homeowner's insurance and mortgage declarations helpful

Step 2: Create brand-new username and password

- When you click to begin your application listed below, you'll need 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 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 determine if you have enough equity.
Homestead residential or commercial property that is owner-occupied is required. Mobile homes and apartments do not receive this item.
Frost provides 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 and construction work on enhancements before closing might impact your ability to receive this item. If construction has begun, please contact a Frost lender.

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- Routing number.
114000093

- SWIFT code

- FRSTUS44

Rates subject to alter. All loans based on credit approval. Frost Home Equity Loan rates shown 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 amount you can obtain with any Home Equity Loan or a Home Equity Line of Credit is 80% of your home's evaluated worth. You might have just one Home Equity Loan or Credit line secured by the 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 Line of Credit.

Equity requirements vary based on loan quantities. 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 offers property loan items to individuals 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 meant for illustration functions just. Actual rates and payments could vary.

Deposit and loan products provided by Frost Bank, Member FDIC

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