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Home Loan Rates

Discover our competitive home loan rates

Check out our residential mortgage rates below or click to explore deposit rates and consumer loan rates.

 

What type of home loan rates are you interested in?

 

Fixed Rate Home Loans

Rates shown are for purchase; refi rates may differ. Call for today's refinance rates: 888.626.1799.

Rates accurate as of May 24, 2022
Term Rate APR as low as* Points Payment*
30-year fixed 4.63% 4.85% $4,688.00 $1,285.35
20-year fixed 4.25% 4.60% $5,625.00 $1,548.09
15-year fixed 3.75% 4.19% $5,625.00 $1,818.06
10-year fixed 3.50% 4.11% $5,312.00 $2,472.15

Disclosures

*Annual Percentage Rate (APR) accurate as of date shown, is subject to change and is for a home loan purchase; refinance rates may differ. Sample payment is based on a $250,000 mortgage with a 75% loan-to-value (LTV) and 740 FICO score. It does not include taxes and insurance, which means your actual payment may be higher. All loans are subject to credit and property approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply.

Home Now (No Down Payment)

Rates accurate as of May 24, 2022
Term Rate APR as low as* Points Payment*
30-year fixed 5.50% 5.52% $0.00 $1,419.47

Disclosures

*Annual Percentage Rate (APR) accurate as of date shown and subject to change. Sample payment is based on a $250,000 mortgage with a 100% loan-to-value (LTV) and 740 FICO score. It does not include taxes and insurance, which means your actual payment may be higher. All loans are subject to credit and property approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply.

Adjustable Rate Home Loans (ARMs)

Solarity Credit Union offers adjustable rate home loan options with a variety of terms, including 5/6 ARMs, 7/6 ARMs and 10/6 ARMs. Give us a call and ask for today's rates!

No Closing Costs Express Refinance

Rates accurate as of May 24, 2022
Term Rate APR as low as* Points Payment*
15-year fixed 4.99% 4.99% $0.00 $1,975.68
10-year fixed 4.99% 4.99% $0.00 $2,650.42

Disclosures

*Express Refinance Annual Percentage Rate (APR) accurate as of date shown and subject to change. Sample payment is based on a $250,000 mortgage with a 75% loan-to-value (LTV) and 740 FICO® score. It does not include taxes and insurance, which means your actual payment may be higher. All loans are subject to credit and property approval. Solarity waives closing costs for an approved Express Refinance, including lender fees and appraisal requirements. Not all applicants or properties will qualify for a no closing cost Express Refinance. Special terms and conditions may apply. National average time to close a refinance is 48 days according to data from ICE Mortgage Technology™ as of August 2021. Solarity is able to close most Express Refinance home loans within 14-21 days of a completed application.

Home Equity Line of Credit

Rates accurate as of May 24, 2022
Term Rate as low as* APR as low as* Payment per $1,000*
15 years 5.00% 5.00% $7.91

Disclosures

*Home equity product is available in Washington, Oregon, and Idaho. The minimum loan amount is $20,000. Maximum loan to value of up to 90%. The Annual Percentage Rate (APR) is a variable rate. Initial rate is based on loan amount, loan to value and credit history. Not all applicants will qualify for the lowest rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment, plus or minus a margin. Under no circumstances will your annual percentage rate exceed 18.000% per annum. Property insurance required. Fees at account opening include a $175 processing fee and $150 document preparation fee. Closing costs range from $700-$2,200 depending on appraisal requirements. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates, terms, and conditions subject to change. Consult your tax advisor with any questions regarding tax advantages or deductibility of interest.


Solarity also offers a bridge loan that lets you use your current home's equity as a down payment for a new home. Get in touch with us to learn more!

Bridge Loans

Rates accurate as of May 24, 2022
Term Rate as low as* APR as low as* Payment*
1 year 5.99% 6.668% $499.17

Disclosures
*Bridge Loan product is available in Washington, Oregon, and Idaho. Annual Percentage Rate (APR) accurate as of the date shown, is subject to change. Sample payment is based on a $100,000 loan. The maximum loan amount is $500,000. Maximum combined loan to value of up to 90%. All loans are subject to credit and property approval. Not all applicants will qualify for a loan or the lowest rate shown. Fees include $3,000 deducted from the Bridge Loan at the time of closing. Special terms and conditions may apply.
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Our Home Loan Guides are here to answer any questions you may have. Get in touch with us and we will connect you with someone who specializes in your specific situation.

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