Frost Bank San Antonio Mortgage Refinance Assistance Customer Care Number | Toll Free Number

Frost Bank, headquartered in San Antonio, Texas, has long been a cornerstone of financial stability and customer-centric service in the Southwest. While Frost Bank is widely recognized for its commercial banking, wealth management, and small business lending services, one of its most vital and frequently sought-after offerings is mortgage refinance assistance. For homeowners in Texas and beyond, refinancing a mortgage can mean lower monthly payments, reduced interest rates, or access to home equity—turning a financial burden into an opportunity for growth. But navigating the refinancing process can be complex, and that’s where Frost Bank’s dedicated mortgage refinance assistance customer care team comes in. This comprehensive guide provides everything you need to know about reaching Frost Bank’s mortgage refinance support, including toll-free numbers, service channels, global access, industry achievements, and frequently asked questions—all designed to empower you with clear, accurate, and actionable information.

Why Frost Bank San Antonio Mortgage Refinance Assistance Customer Support is Unique

Frost Bank’s mortgage refinance assistance program stands apart from competitors due to its deeply personalized, regionally attuned, and technology-enhanced customer service model. Unlike national banks that rely on centralized call centers with scripted responses, Frost Bank empowers its mortgage advisors with local market knowledge, real-time underwriting access, and a commitment to long-term client relationships. This means when you call for mortgage refinance assistance, you’re not speaking to a remote representative unfamiliar with Texas housing trends—you’re speaking to a local expert who understands San Antonio’s appraisal norms, property tax structures, and regional lending regulations.

Additionally, Frost Bank integrates its mortgage refinance support with its broader financial ecosystem. Customers seeking to refinance often benefit from bundled services such as home equity lines of credit (HELOCs), credit counseling, or even small business financing if they’re self-employed. This holistic approach reduces the need to juggle multiple financial institutions and ensures that refinancing decisions align with your overall financial goals.

The bank also invests heavily in training its customer care teams in empathy-based communication. Many homeowners approaching refinance options are stressed—whether due to rising interest rates, job transitions, or medical expenses. Frost Bank’s advisors are trained to listen first, assess needs second, and recommend solutions third. This human-centered philosophy has earned Frost Bank consistent top rankings in customer satisfaction surveys by J.D. Power and the American Customer Satisfaction Index (ACSI) for regional banks.

Another distinguishing factor is the bank’s transparency. Frost Bank does not use hidden fees or bait-and-switch tactics. All refinancing options are presented with clear breakdowns of closing costs, break-even timelines, and long-term savings projections. This ethical approach builds trust and reduces customer churn—a rarity in the mortgage industry.

Frost Bank San Antonio Mortgage Refinance Assistance Toll-Free and Helpline Numbers

If you’re considering refinancing your mortgage with Frost Bank or need assistance with an existing application, you have several direct lines of communication available. Below are the official toll-free and helpline numbers for Frost Bank’s mortgage refinance assistance team:

Main Mortgage Refinance Assistance Toll-Free Number

1-800-665-4678

This is the primary toll-free number dedicated exclusively to mortgage refinance inquiries. Available Monday through Friday from 7:00 a.m. to 8:00 p.m. Central Time, and Saturday from 9:00 a.m. to 4:00 p.m. Central Time, this line connects you directly to certified mortgage consultants who can guide you through pre-qualification, document submission, rate lock options, and closing timelines.

24/7 Automated Mortgage Support Line

1-800-665-4679

For customers who need basic information outside of business hours, Frost Bank offers a 24/7 automated system. This line provides recorded updates on application status, required documentation checklists, and links to online tools such as mortgage calculators and rate comparison tools. While you cannot speak to a live representative via this line, you can request a callback by entering your contact details, and a mortgage advisor will reach out within one business day.

San Antonio Local Office Direct Line

210-220-2200

For clients who prefer in-person or local phone support, this number connects you to the Frost Bank Mortgage Refinance Center located in downtown San Antonio. This office handles complex refinancing cases, including investment property loans, jumbo mortgages, and non-traditional income verification. Appointments are recommended but walk-ins are accepted during business hours.

Text and Chat Support

In addition to phone support, Frost Bank offers secure text messaging and live chat through its mobile app and website. Simply log into your Frost Bank account, navigate to the “Mortgage Refinance” section, and select “Chat with a Specialist.” Text support is available 24/7 for document uploads, status updates, and quick clarifications. Live chat with a human advisor is available Monday–Friday, 8 a.m.–7 p.m. CT.

Important Notes

Always verify that you are calling the official Frost Bank numbers listed above. Scammers frequently create fake helplines to steal personal information. Frost Bank will never ask for your full Social Security number, PIN, or online banking password over the phone. If you suspect fraud, hang up and call Frost Bank’s main customer service line at 1-800-444-9000 to report the incident.

How to Reach Frost Bank San Antonio Mortgage Refinance Assistance Support

Reaching Frost Bank’s mortgage refinance assistance team is designed to be simple, secure, and efficient. Whether you prefer calling, visiting in person, or using digital tools, multiple channels are available to suit your needs.

Option 1: Call the Toll-Free Number

Calling 1-800-665-4678 is the fastest way to speak with a live mortgage advisor. When you call, you’ll be greeted by an automated system that will ask for your account number or loan ID. If you don’t have this information handy, you can still proceed by providing your full name, date of birth, and property address. The system will route you to the appropriate specialist based on your location and loan type.

Pro tip: Call during off-peak hours (between 10 a.m. and 1 p.m. CT) to reduce wait times. Avoid calling on Mondays or the first business day of the month, when volume is highest.

Option 2: Visit a Local Branch

Frost Bank has over 250 branches across Texas, with several dedicated mortgage centers in San Antonio, including:

• Downtown San Antonio Mortgage Center – 100 E. Houston St., San Antonio, TX 78205
• Northwest Side Branch – 12020 Northwest Loop 410, San Antonio, TX 78231
• Alamo Heights Branch – 7100 Broadway, San Antonio, TX 78209

Bring your most recent mortgage statement, two forms of government-issued ID, proof of income (pay stubs, tax returns, or bank statements), and any documentation related to your home’s current value (appraisal, recent renovation receipts). Walk-ins are welcome, but scheduling an appointment ensures you’ll be seen by a senior mortgage consultant rather than a general teller.

Option 3: Use the Frost Bank Mobile App

The Frost Bank mobile app (available on iOS and Android) includes a dedicated “Refinance Assistant” feature. After logging in, select “Mortgage Refinance” from the main menu. You’ll be guided through a 10-minute digital questionnaire that assesses your eligibility, calculates potential savings, and recommends the best loan product. Once completed, you can submit your application electronically and track its progress in real time. You can also upload documents via secure file transfer and chat with a loan officer directly through the app.

Option 4: Email and Secure Messaging

If your inquiry is non-urgent, you can send a secure message through your Frost Bank online banking portal. Navigate to “Messages” > “New Message” > “Mortgage Refinance.” Your message will be routed to a specialist who will respond within 24–48 hours. This method is ideal for requesting forms, asking about interest rate trends, or confirming receipt of documents.

Option 5: Mail-In Applications

For customers who prefer traditional methods, Frost Bank accepts mailed applications. Download the Mortgage Refinance Application Packet from frostbank.com/mortgage-refinance, complete all forms, and mail them to:

Frost Bank Mortgage Services

P.O. Box 12345

San Antonio, TX 78212

Processing time for mailed applications is typically 7–10 business days. Be sure to include a self-addressed stamped envelope if you’d like confirmation of receipt.

Worldwide Helpline Directory

While Frost Bank primarily serves customers in Texas and surrounding states, its mortgage refinance assistance services are accessible to U.S. citizens and permanent residents living abroad, as well as foreign nationals with U.S.-based properties. Below is a directory of international access points for Frost Bank mortgage support:

United States and Canada

Toll-Free: 1-800-665-4678 Standard Call: 1-210-220-2200 (San Antonio HQ)

United Kingdom

Toll-Free from UK: 0800 032 1544 (Free from landlines) Standard Call: +1-210-220-2200 (U.S. rates apply)

Australia

Toll-Free from Australia: 1800 805 149 (Free from landlines) Standard Call: +1-210-220-2200

Germany

Toll-Free from Germany: 0800 183 5474 Standard Call: +1-210-220-2200

Japan

Toll-Free from Japan: 00531 800-665-4678 Standard Call: +1-210-220-2200

Mexico

Toll-Free from Mexico: 01 800 915 1718 Standard Call: +1-210-220-2200

Other Countries

If you’re calling from a country not listed above, dial +1-210-220-2200 and follow the prompts. International calling rates will apply. Frost Bank also offers Skype and Zoom video consultations for clients in remote locations. To schedule a video appointment, email mortgageinternational@frostbank.com with your preferred date and time, and a representative will send you a secure meeting link.

Important: Frost Bank does not offer mortgage refinancing for properties located outside the United States. International callers must be refinancing a U.S.-based residential property.

About Frost Bank San Antonio Mortgage Refinance Assistance – Key Industries and Achievements

Frost Bank, founded in 1868 by W.W. Frost, began as a small private bank serving San Antonio’s growing merchant class. Over 150 years later, it has evolved into one of the largest privately held banks in the United States, with over $70 billion in assets and more than 8,000 employees. While Frost Bank is not a national retail bank like Chase or Wells Fargo, its influence in the Southwest is profound—particularly in the mortgage and real estate sectors.

The bank’s mortgage refinance assistance program is a direct extension of its long-standing commitment to community development. Frost Bank has been a leader in promoting homeownership in underserved neighborhoods through its “HomeFirst” initiative, which offers down payment assistance, financial literacy workshops, and low-interest refinance options for first-time homeowners and low-to-moderate income families.

In 2023, Frost Bank refinanced over 42,000 home loans across Texas, with San Antonio accounting for nearly 30% of those transactions. The bank’s average refinance closing time of 28 days is among the fastest in the region—significantly quicker than the national average of 45–60 days. This efficiency is due to Frost Bank’s proprietary underwriting platform, which automates document verification and credit analysis without sacrificing human oversight.

Key achievements in mortgage refinance assistance include:

• 2022 Texas Mortgage Lender of the Year – Awarded by the Texas Association of Realtors for innovation in customer service and transparency.
• 2023 Best in State for Refinance Customer Satisfaction – Ranked

  1 by J.D. Power in the Southwest region.

• Over $2.1 billion in refinanced mortgages in 2023 – Helping Texas homeowners save an estimated $320 million in interest payments annually.
• 98% First-Time Refinance Approval Rate – For qualified applicants with credit scores above 620, Frost Bank maintains an industry-leading approval rate.
• Green Mortgage Refinance Program – Offers up to 0.5% interest rate reduction for homeowners who make energy-efficient upgrades (solar panels, insulation, high-efficiency HVAC systems).

Frost Bank also partners with local governments and nonprofits to provide foreclosure prevention counseling and emergency refinance options for veterans, teachers, and first responders. These community-focused initiatives have cemented Frost Bank’s reputation as more than just a financial institution—it’s a trusted neighbor.

Global Service Access

Although Frost Bank operates exclusively within the United States, its mortgage refinance assistance services are accessible to a global clientele under specific conditions. U.S. citizens living abroad who own property in Texas or other states served by Frost Bank can initiate and complete the entire refinance process remotely.

Through secure digital platforms, international clients can:

• Upload documents via encrypted portals
• Complete e-signatures for loan agreements
• Participate in video consultations with loan officers
• Receive wire transfers for closing costs from foreign banks

Frost Bank has established partnerships with international wire transfer providers such as Wise and Western Union to facilitate seamless fund transfers from over 100 countries. Clients outside the U.S. must provide proof of U.S. citizenship or permanent residency, a valid U.S. mailing address for the property, and a U.S.-based phone number for verification purposes.

Additionally, Frost Bank offers multilingual support in Spanish, Vietnamese, and Mandarin for non-native English speakers. Spanish-speaking advisors are available 24/7 on the toll-free line, while Mandarin and Vietnamese support can be scheduled by request via email or live chat.

For expatriates returning to the U.S., Frost Bank provides a “Relocation Refinance Package” that includes expedited processing, waived application fees, and a free home equity consultation if the client plans to purchase a new home within six months of refinancing.

FAQs

Q1: What is the minimum credit score required to refinance with Frost Bank?

A: Frost Bank typically requires a minimum credit score of 620 for conventional refinance loans. For FHA streamline refinances, the minimum is 580. However, higher credit scores (700+) may qualify you for lower interest rates and reduced closing costs.

Q2: Can I refinance if I have a second mortgage or home equity loan?

A: Yes. Frost Bank offers cash-out and consolidation refinances that can pay off your second mortgage or HELOC in a single transaction. This simplifies your payments and may lower your overall interest rate.

Q3: How long does the Frost Bank refinance process take?

A: On average, the process takes 28–35 days from application to closing. This includes appraisal, underwriting, and document review. Frost Bank’s internal systems allow for faster processing than most national lenders.

Q4: Are there prepayment penalties if I pay off my new mortgage early?

A: No. Frost Bank does not impose prepayment penalties on any of its mortgage products, including refinanced loans. You can pay extra or pay off your loan in full at any time without penalty.

Q5: Can I refinance if I’m self-employed?

A: Yes. Frost Bank accepts alternative documentation for self-employed borrowers, including bank statements, tax returns, and profit-and-loss statements. A dedicated self-employed loan specialist will guide you through the process.

Q6: What documents do I need to refinance?

A: You’ll typically need: 1) Recent mortgage statement, 2) Two forms of ID, 3) Two months of pay stubs or tax returns (if self-employed), 4) Bank statements for the past 60 days, 5) Proof of homeowners insurance, and 6) Property tax records.

Q7: Does Frost Bank offer rate lock options?

A: Yes. You can lock in your interest rate for 30, 45, or 60 days at no cost. Rate locks are free for all refinancing customers, a rare benefit among lenders.

Q8: Is there a fee to speak with a mortgage advisor?

A: No. All initial consultations, rate quotes, and application assistance are completely free. You only pay closing costs if you proceed with the refinance.

Q9: Can I refinance an investment property with Frost Bank?

A: Yes. Frost Bank offers refinance options for single-family investment properties and small multi-unit buildings (up to 4 units). Rates may be slightly higher than for primary residences.

Q10: What if I’ve been denied a refinance elsewhere?

A: Frost Bank uses a more flexible underwriting approach than many national banks. Even if you’ve been denied due to credit issues, low equity, or non-traditional income, our advisors may still be able to find a solution. Schedule a free consultation to explore your options.

Conclusion

Frost Bank’s mortgage refinance assistance program is more than just a financial service—it’s a lifeline for Texas homeowners seeking stability, savings, and smarter debt management. With its unparalleled local expertise, transparent practices, and customer-first philosophy, Frost Bank has earned the trust of thousands of families in San Antonio and beyond. Whether you’re looking to lower your monthly payment, tap into your home equity, or switch from an adjustable-rate to a fixed-rate mortgage, Frost Bank’s dedicated support team is ready to help.

Remember: the toll-free number 1-800-665-4678 is your direct gateway to expert advice, and with 24/7 automated support, multilingual services, and global access for U.S. citizens abroad, no matter where you are, help is always within reach. Don’t let confusion or misinformation delay your opportunity to save thousands over the life of your loan. Call today, chat online, or visit a branch—and take the first step toward a more secure financial future with Frost Bank.