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Home Loans

No! While some lenders will charge a penalty if you pay down (or pay off) your home loan early, Solarity does not.

Yes! We dedicate our expert Home Loan Guides to work with you from start to finish. They are the point of contact but you will be backed by an entire team who will be familiar with your home loan and can provide any support along the way.

To get an accurate mortgage payoff amount, please reach out to us at 800.347.9222.

Your credit score should never prevent you from applying for a home loan. While it’s always a great idea to try to improve your credit score, the right time to apply for a home loan is when you need a home loan. Your credit score is an important factor in the loan approval process, but it is only one of multiple factors.

It is entirely possible to purchase a home while going through a divorce, although there may be a few additional pieces of documentation needed to ensure the purchase goes smoothly. You may be required to submit your legal separation agreement, property settlement agreement and any other documentation on division of assets signed by a judge. Talk to your lender to make sure you have all of the proper documentation needed to ensure you are the sole owner of the home you intend to purchase.

Depending on your specific situation, you may want to consider seeking legal advice before attempting to purchase a home while in the middle of a divorce to ensure that your property is not divided as part of the marital assets.

Yes. In order to determine the amount of home you can afford, your lender will require your FICO score and any monthly debts.

Want to learn more about what a pre-approval is and how it works? Watch our video.

An appraisal won’t affect your property taxes in any way. A property assessment is needed to determine if your property taxes need to be reassessed.

This is an area where Solarity really shines. Unlike many lenders, Solarity retains the servicing of the vast majority of our home loans. This means that in all likelihood, you’ll have one place to send your payments and answer your questions for the life of your home loan.

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