Our home equity loan choices turn the equity you've constructed into cash you can utilize for all sorts of requirements. Each features a lower rate than the majority of other banks and flexible terms - along with the dedicated service you know us for - so you can get more finished with aid from your home. Whether you're on a budget plan or making a big purchase, we'll discover the one that best fits your goals.

Aaron O. Customer because 2021

Many people utilize a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around flexibility, the Frost Home Equity Loan includes:

- A trusted partner to depend on
- Competitive rate of interest and terms for major expenses and strategies
- A 0.25% discount with automatic payment from a Frost monitoring or cost savings account (very first liens do not certify).
- A prospective tax reduction on the interest you pay, if you utilize your loan for qualifying home enhancements. Consult your tax advisor for information.
- A Frost Plus Account without any month-to-month service charge

* This rate includes a 0.25% rate discount with automated payments from a Frost checking or savings account. No discount for very first liens.

Payment Example: A loan of $20,000 for 20 years at an easy rate 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 budget, the Frost Progress Home Equity Loan features:

- A relied on partner to count on.
- Competitive rates and terms for vital needs and must-have projects.
- No application costs or annual costs.
- No fee for settling your loan earlier.
- A Frost Plus Account without any month-to-month service charge

Our Progress Home Equity Loan is offered to customers who earn less than 80% of the area average earnings. Income eligibility will be figured out utilizing 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 thirty years at a simple rate of interest of 4.49% would yield a payment quantity of $253.05 per month with an automobile debit discount and an interest rate (APR) of 4.49%. †

Let us assist you

If you're not sure which loan is best for your requirements, our Loan Selection Tool can help direct you.

Registered Mortgage Loan Originators

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

Terms to understand:

A quick to-do list before you begin

Step 1: Gather requirements

- Government-issued ID.
- Social Security Number.
- You'll also require to upload specifics about your income and home, so have your pay stubs, property owner's insurance and mortgage statements handy

Step 2: Create new username and password

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

Step 3: Make note of term length alternatives

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 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 needed. Mobile homes and apartment or condos do not qualify for this product.
- Frost supplies property 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 areas.
- The start of building deal with improvements before closing might impact your capability to qualify for this product. If building has actually started, please contact a Frost lender.

View our scams avoidance pointers

Ready to begin?

Need to log back in and finish application?

THIRD-PARTY SITE

You will open a third-party site in a different browser window. The site you will get in may 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 supplied or ensured by Frost.

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

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- 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 items are readily available. Ask a Frost Banker for details.

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

By Texas law, the maximum quantity you can borrow with any Home Equity Loan or a Home Equity Line of Credit is 80% of your home's appraised worth. You may have only one Home Equity Loan or Line of Credit 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 vary based on loan quantities. Contact 866-376-7889 for information.

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

Frost supplies property 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 planned for illustration functions just. Actual rates and payments could vary.

Deposit and loan items provided by Frost Bank, Member FDIC

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