Personal Loans / Mortgage

We make mortgages human

Buying a home is a big deal. But with Frost Mortgage, you have more than a better way there. You have people. Someone who stays by your side the entire time, from the moment you apply to move-in day. It’s what makes our home loans different — because it’s what you deserve.

Give us a call Monday - Friday from 8am - 5pm

Call a Mortgage Loan Advisor

Choose the right loan for you

First home or fifth, there’s one for everyone. And each comes with the uncompromising support you expect from Frost, whether you’re buying or refinancing your own piece of Texas.

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

Frost Mortgage

For first-time or experienced homebuyers looking for flexibility.

For loans up to $766,550
Financing up to 95% available
30 or 15-year fixed-rate options
30-year 7/6 or 10/6 adjustable-rate options
Fully underwritten pre-approval, good for 90 days
Free 60-day rate lock, with one-time reprice option

Frost Jumbo Mortgage

For homebuyers with a larger budget and spending power.

For loans greater than $766,550
Financing up to 90% available
30 or 15-year fixed-rate options
30-year 7/6 or 10/6 adjustable-rate options
No maximum loan amount
Fully underwritten pre-approval, good for 90 days
Free 60-day rate lock, with one-time reprice option

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 Texan
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.

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 first step

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