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Our home equity loan choices turn the equity you've built into money you can utilize for all sorts of needs. Each includes a lower rate than most other banks and flexible terms - in addition to the devoted service you know us for - so you can get more finished with assistance from your home. Whether you're on a budget plan or making a huge purchase, we'll find the one that best fits your objectives.

Aaron O. Customer given that 2021

Many people utilize a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around flexibility, the Frost Home Equity Loan comes with:

- A relied on partner to depend on

Competitive rates of interest and terms for significant expenses and strategies
A 0.25% discount with automatic payment from a Frost monitoring or savings account (very first liens do not qualify).
A possible tax reduction on the interest you pay, if you utilize your loan for certifying home enhancements. Consult your tax advisor for information.
A Frost Plus Account with no regular monthly service fee

* This rate includes a 0.25% rate discount with automated payments from a Frost monitoring or cost savings account. No discount for very first liens.

Payment Example: A loan of $20,000 for 20 years at a simple interest rate of 7.39% would yield a payment quantity of $159.78 per month with a car debit discount and a yearly percentage rate (APR) of 7.39%. †

Frost Progress Home Equity Loan Details

Designed for households on a spending plan, the Frost Progress Home Equity Loan includes:

- A trusted partner to depend on.
Competitive rates and terms for important requirements and must-have tasks.
No application charges or yearly fees.
No cost for paying off your loan quicker.
A Frost Plus Account with no regular monthly service fee

Our Progress Home Equity Loan is offered to borrowers who make less than 80% of the area average income. Income eligibility will be determined utilizing Area Median Income (AMI) which can be discovered here.

Annual Percentage Rate efficient as of 08/18/2025.

Payment Example: A loan of $50,000 for thirty years at a basic rate of interest of 4.49% would yield a payment quantity of $253.05 per month with a vehicle debit discount and a yearly percentage rate (APR) of 4.49%. †

Let us direct you

If you're not exactly sure which loan is best for your needs, our Loan Selection Tool can help assist you.

Registered Mortgage Loan Originators

Take a look at our list of Frost Registered Mortgage Loan Originators for our home equity loans, home equity lines of credit and home enhancement loan products.

Terms to know:

A quick to-do list before you begin

Step 1: Gather requirements

- Government-issued ID.
Social Security Number.
You'll also require to publish specifics about your earnings and home, so have your pay stubs, homeowner's insurance coverage and mortgage declarations convenient

Step 2: Create brand-new username and password

- When you click to start your application below, you'll need to produce a brand-new set of particular 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 Equity Loans where this will be your second lien, the loan term can be 84, 120, 180, or 240 months. If this will be your first lien, the loan term can be 120 or 240 months. Please note, for a Home Equity Loan, the following use:

- Our Loan Selection Tool can help you figure out if you have enough equity.
Homestead residential or commercial property that is owner-occupied is required. Mobile homes and apartments do not receive this product.
Frost provides property loan products to people throughout Texas in the Austin, Bryan/College Station, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley, San Antonio and Victoria areas.
The start of building deal with enhancements before closing may affect your capability to get approved for this item. If building has started, please contact a Frost banker.

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You will open a third-party site in a separate browser window. The site you will enter might be less safe and secure and might have a privacy statement that differs from Frost. The services and products used on this third-party site are not supplied or ensured by Frost.

Please keep in mind that you'll still be able to see the current page on frostbank.com.

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- Routing number.
114000093

- SWIFT code

- FRSTUS44

Rates subject to change. All loans subject to credit approval. Frost Home Equity Loan rates revealed are for the second lien position. First lien products are readily available. Ask a Frost Banker for information.

For Wall Street Journal (WSJ) Prime, call 866-376-7889.

By Texas law, the maximum quantity you can borrow with any Home Equity Loan or a Home Equity Credit Line is 80% of your home's assessed value. You may have just one Home Equity Loan or Credit line protected by the exact same residential or commercial property at any one time. You need to wait one year and one day from the closing of your Home Equity Loan before closing on a brand-new Home Equity Line of Credit.

Equity requirements vary based upon loan quantities. Contact 866-376-7889 for details.

To inquire or inform us of a billing mistake in writing, submit to Frost Bank, P.O. Box 34746, San Antonio, Texas 78265.

Frost supplies residential loan items 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.

† This example is meant for illustration purposes just. Actual rates and payments could differ.

Deposit and loan products used by Frost Bank, Member FDIC

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