Home Equity Loans

Borrow for whatever you want, all at once.

Our home equity loan options turn the equity you’ve built into cash you can use for all sorts of needs. Each comes with a lower rate than most other banks and flexible terms — as well as the dedicated service you know us for — so you can get more done with help from your home. Whether you're on a budget or making a big purchase, we’ll find the one that best fits your goals.


Many people use a Home Equity Loan to:

Pay off medical bills

Consolidate debt

Finance a wedding

Take on a big home improvement project

Frost Home Equity Loan Details

Centered around flexibility, the Frost Home Equity Loan comes with:

  • A trusted partner to rely on
  • Competitive interest rates and terms for major expenses and plans
  • A 0.25% discount with automatic payment from a Frost Checking or Savings account (first liens do not qualify)
  • A potential tax deduction on the interest you pay, if you use your loan for qualifying home improvements. Consult your tax advisor for details
  • The $15 monthly service charge waived on a new Frost Plus Account
LOAN AMOUNT/TERM ANNUAL PERCENTAGE RATE (APR)*
$2,000 - $49,999 / 7 years 7.62%
$50,000 or greater / 7 years 8.12%
$2,000 - $49,999 / 20 years 7.8%
$2,000 - $49,999 / 10 years 7.85%
$50,000 or greater / 10 years 8.35%
$2,000 - $49,999 / 15 years 7.55%
$50,000 or greater / 15 years 8.05%
$50,000 or greater / 20 years 8.3%
Annual Percentage Rate effective as of 09/25/2023.

*This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account. No discount for first liens.



Payment Example: A loan of $20,000 for 20 years at a simple interest rate of 8.05% would yield a payment amount of $167.91 per month and an annual percentage rate (APR) of 8.05%.†


Frost Progress Home Equity Loan Details

Designed for families on a budget, the Frost Progress Home Equity Loan comes with:

  • A trusted partner to rely on
  • Competitive rates and terms for essential needs and must-have projects
  • No application fees or annual fees
  • No fee for paying off your loan sooner
  • The $15 monthly service charge waived on a Frost Plus Account

Income limits and credit guidelines apply for the Progress Home Equity Loan.

LOAN AMOUNT/TERM ANNUAL PERCENTAGE RATE (APR)
$2,000 - 49,999 / 7 years only 3.99%
$2,000 - 49,999 / 10 years only 3.99%
$2,000 - 49,999 / 15 years only 3.99%
$2,000 - 49,999 / 20 years only 3.99%
$2,000 - 49,999 / 25 years only 3.99%
$2,000 - 49,999 / 30 years only 3.99%
$50,000 or greater / 7 years only 3.99%
$50,000 or greater / 10 years only 3.99%
$50,000 or greater / 15 years only 3.99%
$50,000 or greater / 20 years only 3.99%
$50,000 or greater / 25 years only 3.99%
$50,000 or greater / 30 years only 3.99%
Annual Percentage Rate effective as of 09/25/2023.

Payment Example: A loan of $50,000 for 30 years at a simple interest rate of 3.99% would yield a payment amount of $238.42 per month and an annual percentage rate (APR) of 3.99%.†


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

Terms to know:

Equity: The difference between your home’s fair market value and the outstanding balance of all liens on that home.

Collateral: Something you’re pledging as security for repayment of a loan.

Amortizing loan: You’ll pay a consistent monthly payment over the life of the loan, with parts of each payment going towards principal and interest.


Borrowing from Frost means:
No application fee
No annual fee

Apply Now

START NOW

If you're not sure if this is the loan for you, our Loan Selection Tool can help.

Find my loan »

Need to log back in and finish an application?

Complete Application »