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.
Aaron O. Customer since 2021
Many people use a Home Equity Loan to:
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
- A Frost Plus Account with no monthly service charge
| LOAN AMOUNT/TERM | ANNUAL PERCENTAGE RATE (APR)* |
|---|---|
| $2,000 - $49,999 / 7 years | 7.16% |
| $2,000 - $49,999 / 10 years | 6.96% |
| $2,000 - $49,999 / 15 years | 7.32% |
| $2,000 - $49,999 / 20 years | 7.62% |
| $50,000 or greater/7 years | 7.16% |
| $50,000 or greater / 10 years | 6.96% |
| $50,000 or greater / 15 years | 7.32% |
| $50,000 or greater / 20 years | 7.62% |
Annual Percentage Rate effective as of 07/22/2025.
*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 7.62% would yield a payment amount of $162.59 per month with an auto debit discount and an annual percentage rate (APR) of 7.62%.†
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
- A Frost Plus Account with no monthly service charge
Our Progress Home Equity Loan is available to borrowers who make less than 80% of the area median income. Income eligibility will be determined using Area Median Income (AMI) which can be found here.
| AMOUNT/TERM | ANNUAL PERCENTAGE RATE (APR) |
|---|---|
| $2,000 - 49,999 / 7 years only | 4.49% |
| $2,000 - 49,999 / 10 years only | 4.49% |
| $2,000 - 49,999 / 15 years only | 4.49% |
| $2,000 - 49,999 / 20 years only | 4.49% |
| $2,000 - 49,999 / 25 years only | 4.49% |
| $2,000 - 49,999 / 30 years only | 4.49% |
| $50,000 or greater / 7 years only | 4.49% |
| $50,000 or greater / 10 years only | 4.49% |
| $50,000 or greater / 15 years only | 4.49% |
| $50,000 or greater / 20 years only | 4.49% |
| $50,000 or greater / 25 years only | 4.49% |
| $50,000 or greater / 30 years only | 4.49% |
Annual Percentage Rate effective as of 07/22/2025.
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 an auto debit discount and an annual percentage rate (APR) of 4.49%.†
Let us guide you
If you’re not sure which loan is right for your needs, our Loan Selection Tool can help guide you.
Registered Mortgage Loan Originators
Check out our list of Frost Registered Mortgage Loan Originators for our home equity loans, home equity lines of credit and home improvement loan products.
Terms to know:
A quick to-do list before you get started
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 and mortgage statements handy
Step 2: Create new username and password
- When you click to start your application below, you'll need to create a new set of login credentials specific to this loan application
Step 3: Make note of term length options
On the application, you’ll be prompted to input the loan term in months. For Home Equity Loans where this will be your second 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 apply:
- Our Loan Selection Tool can help you determine if you have enough equity.
- Homestead property that is owner-occupied is required. Mobile homes and apartments do not qualify for this product.
- Frost provides residential loan products 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 regions.
- The start of construction work on improvements before closing may impact your ability to qualify for this product. If construction has begun, please contact a Frost banker.
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