Home Equity Loans

Our home equity loan alternatives turn the equity you've constructed into cash you can utilize for all sorts of requirements. Each features a lower rate than many other banks and flexible terms - along with the devoted service you know us for - so you can get more finished 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

Many people use a Home Equity Loan to:

Frost Home Equity Loan Details

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

- A relied on partner to rely on
- Competitive interest rates and terms for major costs and plans
- A 0.25% discount rate with automatic payment from a Frost monitoring or cost savings account (first liens do not qualify).
- A potential tax deduction on the interest you pay, if you utilize your loan for certifying home enhancements. Consult your tax consultant for details.
- A Frost Plus Account without any monthly service fee

* This rate consists of a 0.25% rate discount rate with automated payments from a Frost monitoring or cost savings account. No discount for 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 amount of $159.78 per month with a car debit discount and a yearly percentage rate (APR) of 7.39%. †

Frost Progress Home Equity Loan Details

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

- A relied on partner to count on.
- Competitive rates and terms for vital requirements and essential tasks.
- No application fees or yearly charges.
- No fee for paying off your loan quicker.
- A Frost Plus Account with no month-to-month service fee

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

Annual Percentage Rate effective since 08/18/2025.

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

Let us direct you

If you're not sure which loan is right for your needs, our Loan Selection Tool can assist direct 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 improvement loan products.

Terms to understand:

A fast to-do list before you start

Step 1: Gather requirements

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

Step 2: Create brand-new username and password

- When you click to start your application below, you'll need to create a brand-new set of login credentials particular to this loan application

Step 3: Make note of term length alternatives

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 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 help you determine if you have enough equity.
- Homestead residential or commercial property that is owner-occupied is needed. Mobile homes and apartments do not receive this product.
- Frost supplies domestic 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 areas.
- The start of building deal with improvements before closing might affect your capability to get approved for this product. If construction has actually started, please contact a Frost banker.

View our fraud avoidance pointers

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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 2nd lien position. First lien items are 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 obtain with any Home Equity Loan or a Home Equity Line of Credit is 80% of your home's appraised value. You may have just 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 Line of Credit.

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, send to Frost Bank, P.O. Box 34746, San Antonio, Texas 78265.

Frost supplies domestic 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 areas.

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

Deposit and loan items used by Frost Bank, Member FDIC