Built to get you home
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.
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.
Frost Progress Mortgage
The Frost Progress Mortgage is designed to make homeownership attainable for all:
- For borrowers who earn less than 80% of the area median income
- No down payment for qualified borrowers
- Includes a 30-year fixed rate
- No minimum loan amount
- Financing up to 100% available
- $4,000 credit toward closing cost
- No Private Mortgage Insurance required
- Fully underwritten pre-approval, good for 90 days
Frost Mortgage
The Frost Mortgage focuses on flexibility, there for first-timers and experienced buyers alike:
- For loans up to $766,550
- 30 or 15-year fixed rate options
- 30-year 7/6 or 10/6 adjustable-rate options (fixed for 7 or 10 years, adjusts every 6 months thereafter)
- Financing up to 95% available
- Free 60-day rate lock, with one-time reprice option
- Fully underwritten pre-approval, good for 90 days
Frost Jumbo Mortgage
The Frost Jumbo Mortgage has no max amounts, perfect for homebuyers looking to spend extra:
- For loans greater than $766,550
- No maximum loan amount
- 30 or 15-year fixed rate options
- 30-year 7/6 or 10/6 adjustable-rate options (fixed for 7 or 10 years, adjusts every 6 months thereafter)
- Financing up to 90% available
- Free 60-day rate lock, with one-time reprice option
- Fully underwritten pre-approval, good for 90 days
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.
Discovery
Application
Processing
Underwriting
Closing/Funding
Servicing
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 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.