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.

Many people use a Home Improvement Loan to:

Install a pool

Renovate your kitchen

Repair your roof

Account 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 option to finance 100% of your home improvement costs, if the mortgage balance plus the home improvements don’t exceed 90% of the property’s market value
  • The $15 monthly service charge waived on a new Frost Plus Account
  • Competitive rates and terms

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

$2,000 – $20,000 (2nd Lien) / 15 years / 90.01% to 100% LTV 7.3%
$2,000 or greater (2nd Lien) / 15 years / 90% LTV 7.55%
$2,000 or greater (2nd Lien) / 20 years / 90% LTV 7.8%
$50,001 or greater (2nd lien) / 15 years / 90% LTV 8.05%
$50,001 or greater (2nd lien) / 20 years / 90% LTV 8.3%
Annual Percentage Rate effective as of 01/25/2023.

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


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.

$500 – $10,000/Up to 5 years 7.99%
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.

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:
No application fees2
No annual fees
No legal fees
No prepayment penalties
Choose the right Home Improvement Loan for your project.
Apply for a Secured Loan online
Apply for an Unsecured Loan

Give us a call at (866) 376-7889


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

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