Disaster Relief Loan Program
When disaster hits home, get relief during repairs with predictable monthly payments at a low rate. As recovery begins, we will be here with the service, resources and local support for those affected by a natural disaster.

Consumer disaster relief secured home improvement loan
Annual percentage rate (APR)
- The rate on the Consumer Disaster Relief Secured Home Improvement Loan is a discounted rate from our standard home improvement loan. Reach out to a banker for more information
Terms
- 12 monthly interest-only payments followed by 240 monthly principal and interest payments based on 20 year amortization
Loan to value
- 100% maximum for primary residence loans
- 90% maximum for secondary residence loans
Loan amount
- Frost will finance up to 100% of your contract repair costs; loan not to exceed $2,000,000
Payment example
A loan amount of $100,000 for 20 years at an annual percentage rate (APR) of 6.40% would yield an interest only payment of $533.33 per month (for the first 12 months based on a 6.40% APR) and a principal and interest payment of $739.70 per month (based on 240 payments at 6.40% APR)*.
*This is not a commitment to make a loan. This information is provided to assist in the estimate and negotiation of a specific consumer transaction. All loans are subject to credit approval.
Consumer disaster relief unsecured loan
Annual percentage rate (APR)
- WSJ Prime
Terms
- 12 monthly interest-only payments followed by 120 monthly principal and interest payments based on a 10 year amortization
Loan amount
- $2,000 - $50,000
Payment example
A loan of $25,000 for 10 years at an annual percentage rate (APR) of 7.50% would yield an interest-only payment of $156.25 (for the first 12 months based on a 7.50% APR) and a principal and interest payment of $296.75 per month (based on 120 payments at 7.50% APR).*
*This is not a commitment to make a loan. This information is provided to assist in the estimate and negotiation of a specific consumer transaction. All loans are subject to credit approval.
Disaster relief for businesses
If you are a business in need of support, please visit our Commercial Disaster Relief Loan page.

We’re here to guide you
If you’d like to talk through the options, a Frost Banker is just a phone call away. Be sure to have:
• Your government issued photo ID such as a driver's license, state ID or U.S. Military ID
• Your Social Security number