We offer home improvement loan options because no two home owners have the same needs. And no matter which option is right for you, you’ll enjoy benefits like:

  • 0.25% rate discount with automatic payments from a Frost checking or savings account
  • No pre-payment penalties
  • No application fees or annual fees*

We offer two types of home improvement loans—one that requires you to use your home as collateral and one that doesn’t.


Home Improvement Loan (Collateral Required)

This type of loan has lower interest rates because it uses your home as collateral. It also allows you to borrow for bigger projects that cost more.

Rates & Terms

$2,000 - $20,000 (2nd Lien) / 15 years / 15 year amortization6.15%
$2,000 or greater (2nd Lien) / 15 years / 15 year amortization5.49%
$5,000 or greater (1st Lien) / 15 years / 15 year amortization4.64%

Payment Example**: A loan of $50,000 for 15 years at a simple interest rate of 5.49% would yield a payment amount of $408.30 per month †  and an annual percentage rate (APR) of 5.49%.

How Much Can I Borrow?

100% of your home improvement costs can be financed if the mortgage balance plus the home improvements don’t exceed 90% of the market value of the property.

​Home Improvement Loan (No Collateral Required)

This type of home improvement loan lets you borrow without using your home as collateral. And, you can do all the work yourself since a contractor is not required. This loan lets you borrow what you need from $500 up to $10,000, at a rate that’s typically lower than payday loans or credit cards.​​ ​​​​​​​​​​​​​​​​​​​​

Talk to a

Frost Banker

(866) 376-7889

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Frost Registered Mortgage Loan Originators

View our list of Frost Registered Mortgage Loan Originators for Home Equity Loans, Home Equity Lines of Credit and Home Improvement Loan products.


Rates and Terms

$500 - $10,000 / Up to 5 years9.99%

Payment Example**: A loan of $2,000 for 5 years at an interest rate of 9.99% would yield a payment amount of $42.48 per month and an annual percentage rate (APR) of 9.99%.

*There is .25% origination fee on Home Improvement Loans exceeding $250,000.​
**This example is intended​ for illustration purposes only. Actual rates and payments could differ.

Fast Loan Application

It’s easy to apply for a Frost Home Improvement Loan.

  • The application takes about 15 minutes, and you’ll receive an answer in approximately two to four hours during normal business hours.
  • All you need to apply is:
    • your government issued photo ID such as a driver's license, state ID or U.S. Military ID
    • your Social Security number
    ​​​​​​​​​​ ​​​​​​​​​

Call a Frost Banker at (866) 376-7889, apply I person at a Frost financial center or request a call or email.