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Advantages of a Frost Home Improvement Loan include:

  • competitive fixed interest rates
  • 0.25% rate discount available with automatic payments from a Frost Checking or Savings account
  • no pre-payment penalties 

Rates & Terms

$2,000 - $50,000 / 15 years / 15 year amortization6.15%
$50,001 - $249,999 / 15 years / 15 year amortization5.49%
$250,000 and over / 15 years / 15 year amortizationFrost's rates are currently unavailable. To learn about our rates, please call a Frost Banker at 1-800-513-7678.

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%.

Loan Amount

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.

​Loan Terms

  • 15 Years

Fast Loan Application

It’s easy to apply for a Frost Home Improvement Loan. It takes about 15 minutes and you’ll receive an answer in approximately two to four hours during normal business hours.

To apply, call a Frost Banker at (866) 376-7889 or apply in person at your local Frost financial center. Just bring:

  • your government issued photo ID such as a driver's license, state ID or U.S. Military ID
  • your Social Security number

  • Learn more about other Frost home loan products.
    Download Your Guide to Home Loans & Equity