Finance a home improvement project
We offer two types of Frost Home Improvement Loans—one that uses your home as collateral, and one that doesn’t. No matter which loan type is right for you, our lending team has an extensive vendor network and can refer you to trusted contractors, builders and more.
Many people use a Home Improvement Loan to:
Loan Details
Your Frost Home Improvement Loan provides a higher loan value than a standard home equity loan, with competitive rates.
You’ll also get:
- A Frost specialist to help you navigate this unique lending product
- Rate discount of 0.25% available with automatic payment from a Frost Checking or Savings account (first liens do not qualify)
- The potential option to finance 75% of your home improvement costs, if the mortgage balance plus the home improvements don’t exceed 90% of the property’s market value
- A Frost Plus Account with no monthly service charge
- Competitive rates and terms
Check out our list of Frost Registered Mortgage Loan Originators for home equity loans, home equity lines of credit and home improvement loan products.
Let us guide you
If you’re not sure which loan is right for your needs, our Loan Selection Tool can help guide you.
Secured
| AMOUNT/TERM/LTV (LOAN TO VALUE) | ANNUAL PERCENTAGE RATE (APR)* |
|---|---|
| $2,000 - 50,000 (2nd Lien) / 15 years / 80%-90% LTV | 7.36% |
| $2,000 - 50,000 (2nd Lien) / 20 years / 80%-90% LTV | 7.65% |
| $50,001 - $2,000,000 (2nd Lien) / 15 years / 80%-90% LTV | 7.36% |
| $50,001 - $2,000,000 (2nd Lien) / 20 years / 80%-90% LTV | 7.65% |
Annual Percentage Rate effective as of 07/10/2025.
*This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account.
Unsecured
Unsecured loans require a construction bid or documentation of materials to be purchased but do not add a lien to your property. An unsecured loan is great for those who are handy and plan to take on the labor themselves, as a contractor isn’t required. You can borrow what you need, from $500-$10,000.
| AMOUNT/TERM | ANNUAL PERCENTAGE RATE (APR)* |
|---|---|
| $500 – $10,000/Up to 5 years | 7.99% |
Annual Percentage Rate effective as of 07/10/2025.
*This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account.
Terms to Know
Borrowing from Frost means:
This flexible loan option from Frost comes with a relationship you can trust.
- No annual fee
- No application fees2
- No legal fees
- No prepayment penalties
A quick to-do list before you get started
Step 1: Gather requirements
- Government-issued ID
- Social Security Number
- Your current construction contract
- 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 Improvement Loans, you can choose 180 or 240 months.
Please note, for a Home Improvement Loan, the following apply:
- Loan amount could be 100% of your home improvement costs, if the mortgage balance plus the home improvements don’t exceed 90% of the property’s market value. 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.
- A licensed contractor to complete your projects is required. Construction work cannot start before your loan closes. If construction has begun, please contact a Frost banker.
- 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.
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