Our home equity loan choices turn the equity you've built into cash you can utilize for all sorts of requirements. Each includes a lower rate than many other banks and versatile terms - as well as the dedicated service you know us for - so you can get more finished with assistance from your home. Whether you're on a budget or making a huge purchase, we'll find the one that best fits your objectives.

Aaron O. Customer because 2021

Many individuals use a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around versatility, the Frost Home Equity Loan includes:

- A trusted partner to depend on
- Competitive rate of interest and terms for significant costs and plans
- A 0.25% discount rate with automatic payment from a Frost monitoring or cost savings account (very first liens do not qualify).
- A potential tax deduction on the interest you pay, if you use your loan for certifying home improvements. Consult your tax advisor for information.
- A Frost Plus Account with no month-to-month service fee

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

Payment Example: A loan of $20,000 for 20 years at an easy rates of interest of 7.39% would yield a payment quantity of $159.78 per month with a car debit discount and an interest 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 trusted partner to depend on.
- Competitive rates and terms for essential needs and essential tasks.
- No application fees or yearly fees.
- No charge for paying off your loan faster.
- A Frost Plus Account without any monthly service charge

Our Progress Home Equity Loan is available to borrowers who earn less than 80% of the location average earnings. Income eligibility will be determined using Area Median Income (AMI) which can be found here.

Annual Percentage 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 monthly with an automobile debit discount and a yearly portion rate (APR) of 4.49%. †

Let us direct you

If you're not exactly sure which loan is right 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 credit lines and home improvement loan items.

Terms to understand:

A fast order of business 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, property owner's insurance and mortgage declarations useful

Step 2: Create brand-new username and password

- When you click to begin your application listed below, you'll require to develop a brand-new set of login qualifications 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 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 determine if you have enough equity.
- Homestead residential or commercial property that is owner-occupied is required. Mobile homes and apartments do not receive this product.
- Frost offers residential 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 regions.
- The start of building and construction work on improvements before closing may affect your ability to get approved for this product. If building has actually started, please contact a Frost lender.

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Rates subject to change. All loans subject to credit approval. Frost Home Equity Loan rates revealed are for the second lien position. 1st lien items are offered. Ask a Frost Banker for information.

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

By Texas law, the maximum amount you can obtain 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 Credit line 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 new Home Equity Credit line.

Equity requirements differ based upon loan amounts. Contact 866-376-7889 for details.

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

Frost provides 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 might differ.

Deposit and loan products offered by Frost Bank, Member FDIC

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