Personal Loans / Mortgage Our mortgage rates are some of the lowest in Texas And our team? The friendliest. At Frost Mortgage, you can have it all — financing that fits you from people who take the time to know you. Because your mortgage should be as perfect as your new home. Ready to take the first step? We’re with you the whole way there. Give us a call Monday-Friday from 8am-5pm at (877) 521‑4011. Call a Mortgage Loan Advisor Schedule a phone call Buy or refi your own piece of Texas Whichever loan you choose, you’ll have all the support you need — and features to make your journey even easier, like fully underwritten pre-approval (good for 90 days), a free 60-day rate lock with one-time reprice option and access to your very own Frost Plus Checking Account with no monthly service charge. Frost Mortgage For first-time or experienced homebuyers looking for flexibility. For loans up to $806,500 Financing up to 95% available Second home financing available Loan type Rate APR Points 30-year fixed-rate 6.000% 6.093% 0 15-year fixed-rate 5.125% 5.277% 0 30-year 7/6 ARM 5.875% 6.394% 0 30-year 10/6 ARM 5.875% 6.268% 0 Frost Jumbo Mortgage For homebuyers with a larger budget and spending power. For loans greater than $806,500 Financing up to 90% available No maximum loan amount Second home financing available Loan type Rate APR Points 30-year fixed-rate 6.000% 6.034% 0 15-year fixed-rate 5.750% 5.807% 0 30-year 7/6 ARM 5.375% 6.085% 0 30-year 10/6 ARM 5.625% 6.049% 0 Frost Progress Mortgage For homebuyers who need an affordable, accessible option. Borrowers who make less than 80% of the area median income1 will receive $4,000 toward total closing costs Borrowers with subject properties located in a low-to-moderate-income census tract who make 80%-110% of the area median income1 will have no administrative fee Financing up to 100% available Lower monthly payments No minimum loan amount 30-year fixed rate Loan type Rate APR Points 30-year fixed-rate (Borrower) 5.750% 5.842% 0 30-year fixed-rate (Property) 6.000% 6.093% 0 An unexpectedly personal mortgage experience Your future home will be perfect for you — and we believe getting there should feel the same way. It’s why we take the time to create an experience that’s truly personal. We work only for you No commission, quota or catch here. Trust our Frost Mortgage Loan Advisors to put you first at all times, from day one to thirty years down the road. Your dreams are our goals Our purpose is the same as yours: to get you home. You have a dedicated team in your corner, no matter your loan amount. Top-of-the-line technology Apply, make digital signatures, set up payments — it’s easy to manage every part of your mortgage anytime, anywhere (even after you get the keys). Better mortgage rates and fees Our rates are some of the most competitive in Texas. And when it comes to fees, it’s about transparency. If we can’t explain it, we don’t charge it. Made in Texas, for all Texans Your mortgage is serviced start to finish by Frost Bankers from the same communities as you, keeping everything close to home. You have people every step of the way home Each member of our team is here to help get you there. That means someone to lean on at every stage of the process, ready with the experience you need — and the award-winning level of service you want. Frost Mortgage Loan Advisor (MLA) Your go-to human, by your side through it all. You’ll first meet with an MLA who learns about your goals, finds the financing to match and guides you through your application. Processor Now it’s time for the paperwork. Once built, your home loan is passed to our processors who work closely with you to prepare all the documentation you need. Underwriter Our underwriters make the final decision to approve your mortgage. They take a deep dive into the numbers, ensuring your home loan fits your budget. Closer At the homestretch of the process, the closer sets a specific day where you review and sign documents, become the official owner and receive the keys to your new home. Servicing Homeownership doesn’t stop at the closing table — and neither does our support. Our service team is always a tap or call away with the Frost App and Frost Online Banking. Buying a home gets complicated. Let us guide you around. Pre-approval. DTI ratios. Closing disclosures. You’ll see just as many terms on your journey as homes on the market, but we’ll help you make sense of them all. Whether you’re starting out or already attending open houses, here are some handy guides for understanding the ins and outs of homebuying. Your Credit Score & Home Loan Three digits that affect many details of your mortgage. Dig into the numbers Pre-approval vs. Prequalification Two similar-yet-different ways to start your journey home. Choose your path Ways to Avoid Trigger Leads Unwanted offers to watch out for — and how to opt out of them. Stay aware Your Credit Score & Home Loan Three digits that affect many details of your mortgage. Dig into the numbers Pre-approval vs. Prequalification Two similar-yet-different ways to start your journey home. Choose your path Ways to Avoid Trigger Leads Unwanted offers to watch out for — and how to opt out of them. Stay aware Hear from our new homeowners They have a lot of great things to say. When you’re ready to start your own journey, we’re ready to get you home — and can’t wait to see you here, too. It was such a breath of fresh air speaking with someone that treated us like individuals and not just another number, although I shouldn’t be surprised given the reputation Frost has with everyone! Mario C. Your mortgage team was absolutely fantastic to work with. This is the third house I have purchased… it’s never been so smooth for me before. Stephine K. Your team has done great work. As a first time home buyer your team was patient and thorough with me, helped guide me throughout, and I am very thankful. Solomon V. What a pleasure Frost Bank made the experience for me... super professional, and all worked as a team to get me across the finish line. John T. Take the next step Give us a call Monday - Friday from 8am - 5pm at (877) 521-4011. 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