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Our home equity loan alternatives turn the equity you have actually developed into cash you can utilize for all sorts of needs. Each includes a lower rate than many other banks and flexible terms - as well as the devoted service you know us for - so you can get more finished with help from your home. Whether you're on a budget plan or making a huge purchase, we'll find the one that finest fits your objectives.

Aaron O. Customer considering that 2021

Many individuals utilize a Home Equity Loan to:

Frost Home Equity Loan Details

Centered around versatility, the Frost Home Equity Loan features:

- A relied on partner to count on

Competitive rates of interest and terms for major expenditures and strategies
A 0.25% discount with automatic payment from a Frost monitoring or cost savings account (very first liens do not certify).
A possible tax deduction on the interest you pay, if you use your loan for certifying home enhancements. Consult your tax consultant for information.
A Frost Plus Account without any regular monthly service charge

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

Payment Example: A loan of $20,000 for 20 years at a basic rate of interest of 7.39% would yield a payment amount of $159.78 per month with an automobile debit discount rate and an interest rate (APR) of 7.39%. †

Frost Progress Home Equity Loan Details

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

- A trusted partner to count on. rates and terms for important requirements and must-have projects.
No application costs or yearly charges.
No fee for settling your loan faster.
A Frost Plus Account with no month-to-month service fee

Our Progress Home Equity Loan is offered to customers who earn less than 80% of the location median income. Income eligibility will be identified using Area Median Income (AMI) which can be discovered here.

Annual Percentage Rate efficient since 08/18/2025.

Payment Example: A loan of $50,000 for 30 years at a simple interest rate of 4.49% would yield a payment amount of $253.05 per month with a vehicle debit discount rate and an interest rate (APR) of 4.49%. †

Let us guide you

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

Registered Mortgage Loan Originators

Have a look at our list of Frost Registered Mortgage Loan Originators for our home equity loans, home equity lines of credit and home improvement loan items.

Terms to know:

A fast to-do list before you get begun

Step 1: Gather requirements

- Government-issued ID.
Social Security Number.
You'll also need to upload specifics about your income and home, so have your pay stubs, property owner's insurance coverage and mortgage statements helpful

Step 2: Create new username and password

- When you click to start your application listed below, you'll require to develop a new set of login qualifications specific to this loan application

Step 3: Make note of term length alternatives

On the application, you'll be prompted to input the loan term in months. For Home Equity Loans where this will be your 2nd lien, the loan term can be 84, 120, 180, or 240 months. If this will be your very first lien, the loan term can be 120 or 240 months. Please note, for a Home Equity Loan, the following apply:

- Our Loan Selection Tool can help you identify if you have enough equity.
Homestead residential or commercial property that is owner-occupied is required. Mobile homes and apartments do not get approved for this product.
Frost provides property loan products 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 areas.
The start of construction deal with enhancements before closing may affect your capability to receive this item. If building has begun, please contact a Frost lender.

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Please keep in mind that you'll still have the ability to view the existing page on frostbank.com.

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- Routing number.
114000093

- SWIFT code

- FRSTUS44

Rates subject to change. All loans based on credit approval. Frost Home Equity Loan rates shown are for the 2nd lien position. 1st lien items are available. Ask a Frost Banker for details.

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 Line of Credit is 80% of your home's assessed value. You might have only one Home Equity Loan or Line of Credit secured by the very same residential or commercial property at any one time. You must wait one year and one day from the closing of your Home Equity Loan before closing on a new Home Equity Line of Credit.

Equity requirements vary based on loan amounts. Contact 866-376-7889 for information.

To request info or alert us of a billing error in writing, submit to Frost Bank, P.O. Box 34746, San Antonio, Texas 78265.

Frost provides property 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 intended for illustration functions only. Actual rates and payments might differ.

Deposit and loan products offered by Frost Bank, Member FDIC

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