Our home equity loan choices turn the equity you've built into cash you can for all sorts of requirements. Each includes a lower rate than most other banks and flexible terms - as well as the devoted service you understand us for - so you can get more made with aid 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 considering that 2021

Many individuals utilize a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around versatility, the Frost Home Equity Loan features:

- A trusted partner to depend on

• Competitive rate of interest and terms for significant 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 deduction on the interest you pay, if you utilize your loan for certifying home improvements. Consult your tax advisor for details.
• A Frost Plus Account with no monthly service charge
  
  * This rate consists of a 0.25% rate discount rate with automated payments from a Frost checking or cost savings account. No discount rate 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 amount of $159.78 per month with an auto debit discount rate and a yearly percentage 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 relied on partner to depend on.
• Competitive rates and terms for vital requirements and must-have jobs.
• No application costs or yearly charges.
• No fee for settling your loan quicker.
• A Frost Plus Account with no month-to-month service fee
  
  Our Progress Home Equity Loan is offered to debtors who make less than 80% of the area typical earnings. Income eligibility will be determined using Area Median Income (AMI) which can be discovered here.
  
  Interest rate efficient as of 08/18/2025.
  
  Payment Example: A loan of $50,000 for thirty years at a basic interest rate of 4.49% would yield a payment quantity of $253.05 per month with an auto debit discount and an interest rate (APR) of 4.49%. †
  
  Let us direct you
  
  If you're not sure which loan is right for your requirements, our Loan Selection Tool can help assist 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 know:
  
  A fast order of business before you get going
  
  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, house owner's insurance and mortgage declarations convenient
  
  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 qualifications particular 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 second 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 figure out if you have enough equity.
• Homestead residential or commercial property that is owner-occupied is needed. Mobile homes and apartment or condos do not certify for this product.
• Frost provides property 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 areas.
• The start of building and construction work on improvements before closing might impact your ability to get approved for this product. If building and construction has actually started, please contact a Frost banker.
  
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  Need to log back in and finish application?
  
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  Please keep in mind 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 change. All loans based on credit approval. Frost Home Equity Loan rates shown are for the 2nd lien position. First 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 amount you can obtain with any Home Equity Loan or a Home Equity Line of Credit is 80% of your home's evaluated value. You might have only one Home Equity Loan or Credit line protected by the very 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 Line of Credit.
  
  Equity requirements vary based on loan amounts. Contact 866-376-7889 for information.
  
  To inquire or inform 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 regions.
  
  † This example is intended for illustration purposes just. Actual rates and payments could differ.
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