Our home equity loan options turn the equity you've constructed into cash you can use for all sorts of needs. Each comes with a lower rate than most other banks and versatile terms - along with the devoted service you understand us for - so you can get more done with help from your home. Whether you're on a budget plan or making a big purchase, we'll find the one that best fits your goals.

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Lots of people use a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around flexibility, the Frost Home Equity Loan includes:

- A relied on partner to depend on

• Competitive rate of interest and terms for significant expenses and plans
• A 0.25% discount rate with automated payment from a Frost checking or savings account (first liens do not certify).
• A possible tax reduction on the interest you pay, if you use your loan for certifying home enhancements. Consult your tax advisor for details.
• A Frost Plus Account without any regular monthly service charge
  
  * This rate consists of a 0.25% rate discount 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 rate of interest of 7.39% would yield a payment quantity of $159.78 monthly with an auto 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 relied on partner to count on.
• Competitive rates and terms for important requirements and must-have tasks.
• No application charges or yearly fees.
• No cost for paying off your loan earlier.
• A Frost Plus Account without any regular monthly service fee
  
  Our Progress Home Equity Loan is available to customers who earn less than 80% of the area typical earnings. Income eligibility will be figured out 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 simple interest rate of 4.49% would yield a payment amount of $253.05 per month with a vehicle debit discount rate and an interest rate (APR) of 4.49%. †
  
  Let us assist you
  
  If you're unsure which loan is best for your needs, our Loan Selection Tool can assist 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 enhancement 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 upload specifics about your income and home, so have your pay stubs, homeowner's insurance coverage and mortgage declarations handy
  
  Step 2: Create new username and password
  
  - When you click to start your application below, you'll require 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 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 identify if you have enough equity.
• Homestead residential or commercial property that is owner-occupied is required. Mobile homes and apartments do not get approved for this product.
• Frost supplies residential 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.
• The start of construction work on enhancements before closing might impact your capability to receive this product. If construction has started, please contact a Frost lender.
  
  View our scams 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 browser window. The website you will enter might be less protected and may have a privacy declaration that varies from Frost. The services and products used on this third-party site are not provided or ensured by Frost.
  
  Please note that you'll still have the ability to view the existing page on frostbank.com.
  
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  - Routing number.
• 114000093
  
  - SWIFT code
  
  - FRSTUS44
  
  Rates subject to alter. All loans subject to credit approval. Frost Home Equity Loan rates shown 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 optimum quantity you can borrow with any Home Equity Loan or a Home Equity Credit Line is 80% of your home's evaluated worth. You might have just one Home Equity Loan or Line of Credit protected by the same residential or commercial property at any one time. You must 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 information.
  
  To inquire or inform us of a billing error in writing, submit to Frost Bank, P.O. Box 34746, San Antonio, Texas 78265.
  
  Frost supplies residential loan products 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.
  
  † This example is meant for illustration functions only. Actual rates and payments could vary.
  
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