Personal Loans / Home Improvement Loans

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.

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Many people use a Home Improvement Loan to:

Install a pool
Renovate your kitchen
Repair your roof

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 6.76%
$2,000 - 50,000 (2nd Lien) / 20 years / 80%-90% LTV 7.11%
$50,001 - $2,000,000 (2nd Lien) / 15 years / 80%-90% LTV 6.76%
$50,001 - $2,000,000 (2nd Lien) / 20 years / 80%-90% LTV 7.11%

Annual Percentage Rate effective as of 10/03/2024.

*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 10/03/2024.

*This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account.

Terms to Know

Collateral
Something you’re pledging as security for repayment of a loan.
Lien
A legal claim on your property to secure the payment of debt.

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

We're here to guide you

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