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Home Loans

Whether you're upsizing, downsizing or looking to refinance, our expert Home Loan Guides can’t wait to partner with you on this big milestone. We make the home loan process fast, easy and straightforward so you can focus on creating memories, not paperwork. We also offer our eSigning Experience, allowing you to close online from virtually anywhere. You can even sign right from your phone!

Featured Rate

Rates accurate as of December 03, 2021
APR as low as
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Traditional 30-year fixed mortgage

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Home loans with a boost

Simple. Fast. Affordable.

Introducing Solarity Credit Union and the best mortgage experience you’ll ever have. We make the home loan process fast and easy. You can apply online in just a few minutes.

Rated 93 out of 100 by thousands of Solarity borrowers, our online mortgage process saves you time so you can focus on the things that really matter. And our expert Home Loan Guides are here to help every step of the way.

Home loan options include:

  1. First-time home buyer
  2. No-down-payment and low-down-payment programs
  3. Refinance: traditional, cash-out and no-closing-cost options
  4. Second and vacation homes
  5. Real estate investment loans
  6. Home equity line of credit (HELOC)
  7. Flexible terms and competitive rates

Today's rates

Rates accurate as of December 03, 2021
APR As Low As*
APR As Low As*
APR As Low As*

^Home Loan Payment Calculator: Monthly payments, rates and Annual Percentage Rates (APR) displayed here are estimates based on the values you entered and constitute no offering of a home loan. The actual terms you receive may be different depending on your individual circumstances, including but not limited to creditworthiness, property type and loan-to-value ratio. These estimates do not include taxes or insurance so your actual payment may be higher. 

The Solarity eSigning Experience

When you choose Solarity's eSigning Experience, you complete the entire closing online, from the comfort of your home or office. You can skip the drive across town and focus instead on this exciting occasion....closing on your home loan!

So be sure to tell your real estate professional or title company you'd like to utilize Solarity's eSigning Experience for your closing.


  1. Sign from anywhere using your phone, tablet or computer
  2. Review your documents ahead of time before signing
  3. Remote Online Notary (RON) certifies the process (no need to leave home!)
  4. Close with your Solarity team and closing partners - all in one place: online
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Prequalification: what you need to know

Prequalification is an important first step in applying for a home loan. It gives you an idea of what you're likely to qualify for. It helps you figure out how much home you can afford and how much you'll be able to borrow.

Here's what you'll need to start the prequalification process:

  1. Current address
  2. Driver's license and Social Security number
  3. Two months of bank statements
  4. Employment history for the past two years
  5. 30 days of pay stubs and the last two years' tax returns
  6. List of current debts


Don't take our word for it. Here's what our members say:

"The loan was great. I already sent my friend and her husband in like two days after I signed my loan and... I think they actually signed on it last week!"

-Jennifer D., homeowner

"This is the fourth home that I’ve bought in my life, and this is by far the best experience."

-Patricia J., homeowner

"My closing was done in two and a half weeks! It happened so much sooner than expected. It was exciting."

-Pedro S., homeowner

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Let's talk about your ideal home loan

Applying for a mortgage shouldn't be difficult. After all, it isn't rocket science! We make is FAST and EASY with 3 simple ways to get started:

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It takes less than 10 minutes to apply online. Submit your application and we'll follow up with you to discuss your situation.

Get started
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Ready to talk to someone right now? Our Home Loan Guides are ready to talk to you, too! Call 1.888.626.1799.

Dial for me
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Fill out a contact form and one of our Home Loan Guides will get in touch with you shortly.

Go there now

Common questions about home loans

If you choose a fixed rate mortgage, the rate you lock in during the loan process will be the rate you have for the life of your loan. A 30-year fixed rate mortgage is one of the most common, traditional types of loans, and can be a particularly attractive option when rates are low.

If you choose an adjustable rate mortgage (or “ARM”) your rate will likely vary over the life of the loan. Many ARMs have what is known as an introductory period in which your rate stays the same for a specified amount of time, followed by periodic rate adjustments for the remainder of the loan. In a "5/1 ARM," for instance, your introductory rate will stay the same for the first five years, and your rate may then adjust up or down each year thereafter. The introductory rates on ARMs are often lower than their fixed rate loan equivalents.

Most lenders offer a wide variety of fixed- and adjustable-rate home loan options (Solarity does!). Solarity's expert Home Loan Guides will help walk you through the loan options to help you find the one that’s best for you and your particular situation.

A pre-qualification letter is a document that states the dollar amount a lender is willing to lend toward a home purchase. It is important to have it when you start house hunting because it will show both your real estate agent and the sellers' agent that you’re a serious and qualified buyer.

Solarity has a number of no down payment and low down payment options. For many loans, Private Mortgage Insurance or PMI may be required if you put less than 20% down. Read more about down payment requirements and  saving for a down payment.

Nothing! A pre-qualified letter is free and will provide you with the buying power you need to start your house hunt.

It typically takes about 48 hours to produce a pre-qualification letter.

Definitely not (unless you want to)! You can do the ENTIRE process online, applying for a Solarity home loan from your home computer or mobile device. In addition, you can call our expert Home Loan Guides. If you walk into a branch, we can connect you with our Home Loan Guides that way, too!

We will work around your schedule and will communicate with you in the manner that's most convenient for you. We go to great lengths to make the entire process for you as easy as we can. You can even close the loan from your mobile phone (message and data rates may apply). We can't wait to help you get started! 


Helpful articles and information


Can auto loans be refinanced?

Any time you’re looking to put some money back in your monthly budget, refinancing your auto loan can be a great place to start.

Solarity and YWCA Partner Up for the Holidays

This holiday season, Solarity will be collecting toys on behalf of the YWCA that will be distributed to the children they support.

Protecting your money: how to identify fraud

Do you know the four common tactics used by scammers? Familiarize yourself with their methods to protect yourself from becoming a victim.

Mobile app: message and data rates may apply.


*Annual Percentage Rate (APR) accurate as of date shown and subject to change. 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.