banner image

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.1

Or call for today's rates: 888.626.1799

 

A refinance with Solarity: "Super simple!"

Longtime Solarity member, Kim W., was tired of having her mortgage sold and never knowing where to send her payment. Plus, she wanted to save money and time, so she refinanced with the credit union she knows and trusts.2

Home refinancing options for your budget and lifestyle

 

Traditional Refinance Icon

Traditional refinance

No Closing Costs Express Refinance Icon

No Closing Costs Express Refinance

Cash-out Refinance Icon

Cash-out refinance

left side image

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

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.

Dividend Checking image
  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.3 Servicing of your loan will never leave Solarity, and 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, using any device, even your phone.4 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
    Main Background Image

    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:

    dividendcheckig 1 blue image dividendcheckig 1 orange image
    Fast

    Apply online in just a few minutes.

    dividendcheckig 1 blue image dividendcheckig 1 orange image
    Easy

    We guide you every step of the way.

    dividendcheckig 1 blue image dividendcheckig 1 orange image
    Affordable

    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:

    1.888.626.1799


    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.

    left side image

    Your application checklist

    Here's what you'll need to start the application process (full PDF checklist):

    1. Current address
    2. Driver's license and Social Security number
    3. Two months of bank statements
    4. Income history for the past two years
    5. W-2s for the last two years and proof of income for the past 30 days
    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:

    dividendcheckig 1 blue image dividendcheckig 1 orange image
    Online

    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
    dividendcheckig 1 blue image dividendcheckig 1 orange image
    Call

    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
    dividendcheckig 1 blue image dividendcheckig 1 orange image
    Form

    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

    Closing costs are the fees and expenses you pay for a home loan and are typically between 2% and 6% of the loan amount. Closing costs consist of lender fees—such as the loan origination fee and discount points—as well as third-party fees, escrow account funds and prepaids like taxes and insurance.  

    At Solarity, we offer transparent loan pricing: our loan origination is a flat fee of $1,495 instead of the more common 1% of loan amount. The advantage of a flat fee is that no matter how large your loan is, your loan origination fee remains the same, which can save you money at closing. For example, other lenders typically charge a 1% loan origination fee. On a $300,000 home loan, that would be $3,000. With Solarity’s flat $1,495 loan origination fee, you would save in closing costs.

    Lenders are required by law to clearly disclose closing costs at the bottom of Page 1 of the standardized Loan Estimate form, which you can explore here. Lenders must deliver this form within three days of receiving your application. Whether you’re buying or refinancing, it doesn’t cost anything to apply for a home loan at Solarity, and you can apply online in just a few minutes. Once we receive your application, we can estimate how much you’ll need to bring to closing.

    Still have questions about closing costs? Connect with our expert Home Loan Guides who can clarify any further questions you may have.

    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! 

    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.

    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.

     

    Helpful articles and information

     

    Help with some complicated paperwork: Jeanne's story

    Jeanne, a Solarity member since 2016, needed help with some complicated paperwork and called in to chat with the experts in our Member Contact Center. She appreciated the...

    man removes old flooring in outdated kitchen

    9 home improvements that add real value to your life and wallet

    Considering a home remodel? Learn which improvements have the biggest bang for your buck and where the most popular home upgrades fall on the cost vs. value vs. happiness...

    Am I Eligible for a USDA Home Loan in Washington State

    Am I eligible for a USDA home loan in Washington State?

    If homeownership has ever felt like a dream to you, securing a USDA loan could transform that dream into reality.

    Express Refi page (no rates)

    Jul 25, 2022, 18:14 PM
    Title : Express Refi page (no rates)

    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.

    Load more comments
    Comment by from