Home Equity Loans
Our home equity loan choices turn the equity you've built into cash you can utilize for all sorts of needs. Each includes a lower rate than most other banks and versatile terms - as well as the dedicated service you know us for - so you can get more done with assistance from your home. Whether you're on a spending plan or making a big purchase, we'll discover the one that finest fits your objectives.
Aaron O. Customer because 2021
Lots of people use a Home Equity Loan to:
Frost Home Equity Loan Details
Centered around versatility, the Frost Home Equity Loan features:
- A trusted partner to rely on
- Competitive rate of interest and terms for major expenses and strategies
- A 0.25% discount with automated payment from a Frost monitoring or cost savings account (very first liens do not certify).
- A possible tax reduction on the interest you pay, if you use your loan for qualifying home enhancements. Consult your tax consultant for details.
- A Frost Plus Account with no monthly service charge
* This rate consists of a 0.25% rate discount rate with automatic payments from a Frost monitoring or savings account. No discount rate for very first liens.
Payment Example: A loan of $20,000 for twenty years at a simple rate of interest of 7.39% would yield a payment quantity of $159.78 monthly with an automobile debit discount and an annual portion rate (APR) of 7.39%. †
Frost Progress Home Equity Loan Details
Designed for households on a budget plan, the Frost Progress Home Equity Loan includes:
- A relied on partner to depend on.
- Competitive rates and terms for necessary requirements and essential jobs.
- No application fees or annual costs.
- No cost for settling your loan quicker.
- A Frost Plus Account with no month-to-month service fee
Our Progress Home Equity Loan is available to customers who earn less than 80% of the area median earnings. Income eligibility will be determined using Area Median Income (AMI) which can be discovered here.
Annual Percentage Rate effective since 08/18/2025.
Payment Example: A loan of $50,000 for 30 years at a simple rates of interest of 4.49% would yield a payment quantity of $253.05 each month with an auto debit discount and a yearly portion rate (APR) of 4.49%. †
Let us direct you
If you're unsure which loan is best for your needs, our Loan Selection Tool can help guide 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 products.
Terms to know:
A fast to-do list before you begin
Step 1: Gather requirements
- Government-issued ID.
- Social Security Number.
- You'll likewise require to submit specifics about your income and home, so have your pay stubs, homeowner's insurance coverage and mortgage statements convenient
Step 2: Create brand-new username and password
- When you click to begin your application below, you'll require to produce 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 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 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 certify for this product.
- Frost supplies property loan products 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.
- The start of building deal with improvements before closing might affect your ability to certify for this product. If construction has begun, please contact a Frost lender.
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- Routing number.
- 114000093
- SWIFT code
- FRSTUS44
Rates subject to change. All loans based on credit approval. Frost Home Equity Loan rates revealed are for the second lien position. 1st lien products are available. Ask a Frost Banker for information.
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 assessed value. You may have only one Home Equity Loan or Line of Credit protected by the 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 new Home Equity Line of Credit.
Equity requirements differ based on loan amounts. Contact 866-376-7889 for details.
To request info or alert us of a billing mistake in writing, submit to Frost Bank, P.O. Box 34746, San Antonio, Texas 78265.
Frost provides residential loan items to individuals across Texas in the Austin, Bryan/College Station, Corpus Christi, Dallas, Fort Worth, Houston, Basin, Rio Grande Valley, San Antonio and Victoria regions.
† This example is intended for illustration purposes only. Actual rates and payments might vary.
Deposit and loan items offered by Frost Bank, Member FDIC
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