Access to the money you need, when you need it
A Frost Home Equity Line of Credit is a revolving line of credit. If you have equity in your home, you can use it as collateral to secure funds for almost anything you need. Our competitive draw terms mean you’ll have the flexibility to borrow more at one time. You’ll only pay interest on the amount you use, plus, you’ll be borrowing at a lower interest rate than most personal loans or credit cards.
Many people use a Home Equity Line of Credit to:
Loan Details
Your Frost Home Equity Line of Credit allows you to borrow from $8,000 up to 80% of the value of your homestead property that is owner-occupied. You’ll also get:
- A 0.25% discount with automatic payment from your Frost Checking or Savings account (except on first liens that are $250,000 and greater)
- Competitive variable rates typically lower than most other types of loans
- A minimum rate of *8.15%, maximum 18% APR
- 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
When approved, you can close your loan at any Frost financial center (unless your loan is over $500,000). A Frost personal deposit account is required at time of closing. Subject property must be located in Texas.
*This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account. No discount for first liens.
Annual Percentage Rate is variable and effective as of 05/11/2025.
Check out 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
Let us guide you
If you’re not sure which loan is right for your needs, our Loan Selection Tool can help guide you.
Borrowing from Frost means:
This flexible loan option from Frost comes with a relationship you can trust.
- No prepayment penalty
- No application fee
- No annual fee
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 Lines of Credit, the term is 240 months.
Please note, for a Home Equity Line of Credit, the following apply:
- 80% equity must be available. 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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