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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 comes with a lower rate than a lot of other banks and flexible terms - in addition to the dedicated service you know us for - so you can get more done with aid from your home. Whether you're on a budget or making a big purchase, we'll discover the one that finest fits your objectives.

Aaron O. Customer because 2021

Many individuals utilize a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around flexibility, the Frost Home Equity Loan features:

- A relied on 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 checking or cost savings account (very first liens do not certify).
A potential tax deduction on the interest you pay, if you use your loan for certifying home enhancements. Consult your tax consultant for details.
A Frost Plus Account without any month-to-month service fee

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

Payment Example: A loan of $20,000 for 20 years at a simple rates of interest of 7.39% would yield a payment quantity of $159.78 per month with a vehicle debit discount 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 features:

- A trusted partner to rely on. - Competitive rates and terms for necessary requirements and essential tasks.
No application costs or annual fees.
No cost for paying off your loan quicker.
A Frost Plus Account with no regular monthly service charge

Our Progress Home Equity Loan is offered to customers who earn less than 80% of the area typical income. Income eligibility will be figured out using Area Median Income (AMI) which can be found 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 each month with an automobile debit discount and an annual percentage rate (APR) of 4.49%. †

Let us guide you

If you're not exactly sure which loan is ideal for your needs, our 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 credit lines 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 require to submit specifics about your earnings and home, so have your pay stubs, property owner's insurance coverage and mortgage declarations convenient

Step 2: Create new username and password

- When you click to start your application listed below, you'll require to produce a brand-new set of login qualifications specific 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 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 required. Mobile homes and apartment or condos do not receive this product.
Frost supplies property loan products 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.
The start of building work on enhancements before closing might affect your capability to receive this product. If building and construction has actually started, please contact a Frost banker.

View our scams prevention ideas

Ready to begin?

Need to log back in and end up application?

THIRD-PARTY SITE

You will open a third-party website in a separate browser window. The website you will enter may be less safe and secure and may have a privacy declaration that differs from Frost. The services and products provided on this third-party website 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 alter. All loans based on credit approval. Frost Home Equity Loan rates shown are for the 2nd lien position. 1st lien products 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 obtain with any Home Equity Loan or a Home Equity Line of Credit is 80% of your home's evaluated worth. You may have only one Home Equity Loan or Line of Credit protected by the very same residential or commercial property at any one time. You need to 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 information.

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

Frost offers residential 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 meant for illustration functions only. Actual rates and payments could vary.
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