The Perfect Mortgage for Your Perfect Home

Buying a home is a big decision and because a home loan is something you’ll live with for a long time, we make sure you get one that fits. Whether you’re a first-time homebuyer, an empty nester, or part of a growing family, our mortgage loan team takes the time to understand your goals and priorities, works to anticipate your needs, and ultimately builds a lasting, trusted relationship that helps you save money and unlock the door to your new home. ​

Loans we offer:

  • 30-year fixed-rate loans
  • Construction-to-permanent loans
  • Land and lot loans
  • Residential second and vacation homes
  • One-to-four unit investment properties
  • Adjustable rate mortgage loans
  • 97% Contender program
  • ARM programs
  • Jumbo loans
  • USDA 100% home financing option

What would your mortgage loan look like with Solarity?

Let’s find out.


First things first. Choose the type of home loan you need.

First Home Next Home Refinance

• • • • •

The whole home buying process was absolutely painless. Thank you so much for the ease of doing business. I will recommend Solarity to anyone I meet looking for guidance when getting a mortgage loan.”
- Nancy Whalen, Solarian since 2013

The Solarity Difference

Digital MLOs

Skip the face-to-face, go paperless, and complete your mortgage loan digitally from home, office, or anywhere your busy life takes you. If you need help or assistance, our dMLOs are available to help via video, email, and phone.


No templates or one-size-fits-all solution, here. We take time to talk and understand your goals, work to anticipate your needs, and ultimately guide you to mortgage loan that seems tailored for you and your situation.


To get you in your new home faster, we service all our loans locally within our streamlined process. That means paperwork doesn’t get sent off and slowly processed across the country—which can slow other lenders down considerably.

Buying your first home? Listen up!

First-time homebuyers have the option of withdrawing up to $10,000 from an IRA without penalty to purchase a home. If you’re married, that could mean as much as $20,000 toward a down payment, since both spouses can contribute. However, you’ll have to pay the income tax on the withdrawal (except with Roth IRAs).

It should be noted that seeding your savings with this strategy could have serious, long-term consequences on your retirement plans.

Once a year, Solarity hosts a free Home Buying 101 seminar to educate first-time homeowners on the complete process. You can also use our first-time home buyer checklist to help you plan.

Understanding pre-qualification

To put it simply, pre-qualification occurs when your lender examines your financial history to provide you with a ballpark estimate of what you can afford. Not only do you gain a true sense of your budget, but pre-qualification also shows potential sellers that you are serious about buying their home.

Fixed vs. adjustable rate

OK, settle in for this one. One important choice regarding your mortgage is whether to go with a fixed-rate or an adjustable-rate loan.

A fixed-rate mortgage, as it sounds, has the same interest rate and payment amount for the entire repayment term. Due to its predictability, this is considered the best option for people who plan to stay in a home (and keep the same mortgage) for many years to come.

The adjustable-rate mortgage loans (ARMs) have an interest rate that will change at pre-determined intervals, over the life of the loan. Most ARM loans have a fixed rate for the first few years, after which the rate begins adjusting (hybrid ARM).