Our home equity loan options turn the equity you've developed into cash you can utilize for all sorts of needs. Each features a lower rate than the majority of other banks and flexible terms - as well as the dedicated service you know us for - so you can get more done with help from your home. Whether you're on a spending plan or making a huge purchase, we'll discover the one that best fits your goals.
Aaron O. Customer considering that 2021
Many individuals use 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 rates of interest and terms for major costs and plans
- A 0.25% discount rate with automatic payment from a Frost checking or savings account (very first liens do not qualify).
- A possible tax deduction on the interest you pay, if you utilize your loan for certifying home improvements. Consult your tax consultant for information.
- A Frost Plus Account without any month-to-month service fee
* This rate includes a 0.25% rate discount with automated payments from a Frost checking or cost savings account. No discount for first liens.
Payment Example: A loan of $20,000 for twenty years at a simple interest rate of 7.39% would yield a payment quantity of $159.78 each month with an auto debit discount 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 essential requirements and must-have jobs.
- No application costs or yearly charges.
- No charge for settling your loan sooner.
- A Frost Plus Account with no monthly service charge
Our Progress Home Equity Loan is readily available to customers who earn less than 80% of the location mean income. Income eligibility will be identified using Area Median Income (AMI) which can be discovered here.
Interest rate reliable as of 08/18/2025.
Payment Example: A loan of $50,000 for 30 years at a basic rates of interest of 4.49% would yield a payment amount of $253.05 per month with a car debit discount and an annual percentage rate (APR) of 4.49%. †
Let us assist you
If you're not sure which loan is ideal for your requirements, our Loan Selection Tool can help guide 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 know:
A fast to-do list before you get going
Step 1: Gather requirements
- Government-issued ID.
- Social Security Number.
- You'll also need to publish specifics about your earnings and home, so have your pay stubs, house owner's insurance coverage and mortgage declarations helpful
Step 2: Create new username and password
- When you click to begin your application listed below, you'll need to produce a brand-new set of login credentials particular to this loan application
Step 3: Make note of term length choices
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 determine if you have enough equity.
- Homestead residential or commercial property that is owner-occupied is needed. Mobile homes and houses do not get approved for this item.
- Frost provides residential 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 regions.
- The start of building work on improvements before closing might affect your capability to get approved for this product. If construction has actually started, please contact a Frost lender.
View our fraud avoidance pointers
Ready to start?
Need to log back in and end up application?
THIRD-PARTY SITE
You will open a third-party website in a different internet browser window. The site you will get in might be less safe and may have a personal privacy statement that differs from Frost. The product or services provided on this third-party website are not offered or ensured by Frost.
Please note that you'll still have the ability to see the current page on frostbank.com.
Would you like to continue?
Personal.
Banking.
Investments.
Insurance
Business.
Banking.
Investments.
Insurance
Company.
About us.
Leadership.
Living Frost.
Corporate Citizenship.
News.
Investor relations.
SEC filings.
Investor news.
Careers.
Holidays
Resources.
CRA.
Contact us.
Fraud prevention.
Forms.
Agreements and disclosures.
Accessibility.
FATCA.
Sitemap
- Routing number.
- 114000093
- SWIFT code
- FRSTUS44
Rates subject to alter. All loans based on credit approval. Frost Home Equity Loan rates revealed are for the second lien position. 1st 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 borrow with any Home Equity Loan or a Home Equity Credit Line is 80% of your home's assessed value. You might have just one Home Equity Loan or Line of Credit protected by the exact 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 Credit line.
Equity requirements differ based upon loan quantities. Contact 866-376-7889 for details.
To request info 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 throughout 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 planned for illustration functions just. Actual rates and payments could vary.
Deposit and loan products offered by Frost Bank, Member FDIC
© 2025 Cullen/Frost Bankers, Inc. All rights booked.
