Personal Loans  / Mortgage

Built to get you home

A mortgage offering built from the ground up, bringing you the uncompromising level of service you’ve come to expect from Frost. Whether you just have a few questions or you're ready to apply, we'd love to speak with you. Give us a call at (877) 521‑4011 and an experienced Mortgage Loan Advisor will answer the phone Monday - Friday from 8am - 5pm.

Call a Mortgage Loan Advisor
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Experience the Frost Mortgage difference

Buying a home is a major moment in life. It can feel challenging, sometimes even overwhelming. But with Frost, you don't have to worry. We build your mortgage from the ground up, designed with you in mind. And we stay by you on your journey, from day one to 30 years down the road. It's what makes Frost different -- because it's what you deserve.

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We always put you first

You are at the heart of what we do. It's why our non-commissioned advisors take the time to craft a mortgage that's homemade for you.

We're for everyone and anyone

Your needs and dreams matter most to us, not your income or loan size. Because every person deserves to belong in a place they can call their own.

We're rooted in community

With Frost, your mortgage is taken care of from beginning to end in the Texas communities that make us who we are - keeping the entire process close to home. We'll be with you throughout the life of your loan for questions about your mortgage or any new needs that arise.

We're backed by straightforward technology

When you’re ready to apply, we make it simple. You’ll be sent a personalized link that lets you easily complete your application, securely upload documents and track your loan’s status. Signatures are also done digitally — you’ll only need to pick up a pen at the closing table before you’re handed the keys.

We’re real people you can rely on

No automated calls, FAQs, or chatbots here. Trust our team to keep in constant, one-on-one communication with you the whole way home.

Choose the right loan for you 

There’s one for everyone, whether it’s your first home or fifth.
And each comes with the uncompromising support you expect from Frost.

Process at a glance

From application to closing, we keep every stage of the mortgage process as straightforward as possible. And we're there for you from the start as you complete each part — always putting you first.


First, a Mortgage Loan Advisor (MLA) will visit with you to find the right loan for your needs. After an initial conversation, they can give you an indication of what your mortgage rate might be and provide payment scenarios. They'll discuss your goals, help you make an informed decision and stay in contact with you throughout the process.


Once you've spoken to an MLA and are ready to apply, we will send you a personalized link to start your application online. You can do this from the convenience of your mobile device or desktop. The process is safe and secure, and your MLA will be there with you to answer any questions along the way.


Once you submit your application, your MLA will introduce you to your processor, who will be in continuous contact with you during this step of the process.


After your loan is processed, our underwriters will review, verify and make a decision on your loan application. They may also request additional documents to be as thorough as possible.


Once you near the end of the process, you will be introduced to a closer who will assist in scheduling your closing. They will be happy to review your closing documents to ensure you understand all of the documents you will be signing on closing day and answer any questions you may have.


With the Frost App and Frost Online Banking, you can view your principal balance, make payments, view a personalized mortgage dashboard and more. Our team is also a phone call away at (800) 513-7678 to answer your questions 24/7.

Meet your Frost Mortgage team

Each member of our mortgage team is here to help you on your way home. We’ll support you through each step of the process with best-in-class service. Your needs are our priorities. And your goals are the same as our own: to get you there. 

Our experienced team of Mortgage Loan Advisors (MLAs) are here to support you every step of the way on your homeownership journey — even after you're handed the keys.

Our team of underwriters have years of experience in looking at financial history, credit history and appraisal reports to make a decision on your loan.

Our processors and servicing team work hand-in-hand to ensure your loan is handled with care from application to 30 years down the road.

Our technology makes the process easy and straightforward. Complete your application online, upload documents through a safe and secure portal and sign paperwork right from your mobile device or desktop. The only physical signatures required are at the closing table before you're handed your keys. After closing, view your mortgage loan in the Frost App or Frost Online Banking — make payments, view your statements and more.

Take the first step on your journey home

Give us a call Monday - Friday from 8am - 5pm at (877) 521-4011.