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Looking to refinance?

Life evolves and so can your home loan. Whether you're looking to shorten your term, lower your monthly payment, consolidate debt or cash out equity, we make refinancing your home loan fast, easy and straightforward. With flexible terms, no closing cost options and competitive rates, we can help you figure out if a refinance is a good option for you.


No Closing Costs Express Refinance

Rates accurate as of December 03, 2021
APR as low as*
15-year fixed
Sample payment

Express Refinance is streamlined to close in as little as 14 days. To explore other loan programs, call us for a personalized rate quote.

Refinancing options for your budget and lifestyle


Traditional refinance

No Closing Costs Express Refinance

Cash-out refinance

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Would you benefit from a refinance?

  1. Lower your rate or monthly payments
  2. Consolidate debt
  3. Remodel your home
  4. Pay for other large expenses
  5. Save on interest over the life of your loan
  6. Pay off your home faster
  7. Convert your adjustable-rate mortgage to a fixed-rate loan

Payment calculator

^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. 

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  1. Save thousands with no lender fees
  2. Streamlined appraisal process
  3. Fast closing: 14-21 days in most cases
  4. Refinance up to 80% of your home's value
  5. Low, fixed rate so you can lock in your savings
  6. Flexible terms that fit your lifestyle and goals

No Closing Costs Express Refinance

With no closing costs, streamlined appraisal requirements and loan closings that are 50% faster than the national average, the Express Refinance may put you on the fast track to paying off your home.** You can save tens of thousands in interest between now and that glorious day when you make your final home loan payment!

Cash-out option: The Express Refinance supports cash-out options up to 80% of the current value of your home. This can be a great way to extract some of the equity in your home and put it to use for other financial goals.

    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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    Create memories, not paperwork

    With a Solarity home loan, enjoy amazing service and a speedy close so you can get back to the things that matter most. Solarity home loans are:

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    Apply online in just a few minutes.

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    We guide you every step of the way.

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    Great rates and flexible terms.


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

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

    -Pedro S., homeowner

    "I just filled out the application, gave them the paperwork and that was it. I found it really easy!"

    -Lourdes P., member since 2007

    "Solarity was a dream to work with. They made every step easy and stress-free. I will recommend to anyone interested in a loan. Thank you! "

    -Leann K., member since 1986

    Get your personalized quote

    Your expert Home Loan Guide will get to know you and what's most important to ensure you get the home loan that's right for you!

    Once you fill out the contact form, we'll get in touch with you right away. Don’t worry, there's no obligation for talking with us.

    If you'd rather talk to someone now, give us a call:


    Or start your application online!

    Connect with a Home Loan Guide

    Complete the form below and one of our mortgage experts will be in touch shortly.

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    Your application checklist

    Here's what you'll need to start the application 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

    Apply, ask questions or simply explore what could be

    A refinance could save you hundreds every month on your payment and thousands over the life of your loan. Get in touch with us 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.

    Start my call
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    Fill out a contact form and one of our Home Loan Guides will get in touch with you shortly.

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    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.

    Points and credits are tools you can use to adjust your home loan rate up or down to suit your needs. “Taking credits” means accepting a higher interest rate on your loan in exchange for lower costs at closing. The opposite of taking credits is “paying points,” which involves paying more at the time of closing in exchange for a lower interest rate (and lower monthly payment).

    When do these strategies make sense? Every buyer’s situation is unique, but one common scenario is that people who expect to refinance or sell their house within ten years often find it beneficial to take credits, while those who expect to stick with their home loan for the long haul can save money over time by paying points up front in exchange for a lower monthly payment.

    At Solarity, our expert Home Loan Guides have your best interests at heart, and will help you explore your options and figure out what approach works best for you.

    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! 


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    *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. Not all applicants or properties will qualify for an Express Refinance loan. Special terms and conditions may apply. Solarity does not charge a Lender Origination fee or other third-party fees for Express Refinance.

    **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.