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Home Loans

No. Appraisals must be ordered by Solarity Credit Union through a third-party. This helps ensure a fair valuation of the property for you and Solarity. The appraisal is paid for by the member.

If you’re current on your loan payments, PMI is automatically removed on the date the principal balance of your loan is scheduled to reach 78% of the original value of the property. You also have the right to request PMI be removed once your loan balance reaches 80% of the original value of the property, or the date the principal balance is scheduled to reach 80%.

Rates can fluctuate at any time until you lock your rate. Rate locks are in place for a specific time period which is determined at the time of lock. If you lock in your rate and close within the lock period, the rate you locked in will be your rate. Your Home Loan Guide can answer any questions about locking rates and rate changes.

An appraisal determines the estimated value of a home. Appraisals are typically in favor of the buyer, so don’t be too discouraged if this is what is holding up your closing date! The appraisal will keep you from paying too much for a home that’s not worth the asking price and can even be used as a great negotiating tool if the appraisal comes in lower than expected.

Third-party home loan fees are those charged by any party other than your lender during the processing of your loan. These fees are included as part of your closing costs, and often include:

  • Appraisal
  • Credit Report
  • Escrow/Closing Fee
  • Title Search
  • Title Insurance
  • Survey Fee
  • Flood Certificate/Report
  • Courier Fees
  • Transfer Fees

Home improvements can be one of the most exciting parts of being a homeowner – depending on who you ask, of course! When deciding what to fix up next, it’s smart to consider not only what is valuable to you, but what might be valuable to others when (or if) you decide to sell your home. Here's a list of the 6 most valuable home improvements from Moving.com and Remodeling Magazine:

  1. Upscale garage door replacement
  2. Manufactured stone veneer on exterior
  3. Wood deck addition
  4. The kitchen (within reason)
  5. Siding and vinyl window replacements
  6. Bathroom remodel

When you open an account at Solarity, you are given a member number. Most often a 6-digit number, it may contain a preceding ‘s’. Always omit the ‘s’ and use numeric characters only when making your Solarity loan payment. Your Solarity account number may look something like this: 0000123456-01. Do not enter the preceding zeros or the last two digits.

If you have questions regarding your account number or how to find it, please reach out to us via live chat, or call 800.347.9222.

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We work with State National Insurance Company to process all of our insurance products. For questions on your insurance, you can contact State National Insurance at 866.576.7893.

If you need to fax your proof of insurance, you can do so at 877.266.8690.

If you know your reference ID and PIN you can visit the State National website to upload your insurance information.

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