Simple. Fast. Affordable.
Whether you're upsizing, downsizing or looking into a mortgage refinance, our expert Home Loan Guides can’t wait to partner with you on this big milestone.1 We make the residential mortgage process fast, easy and straightforward so you can focus on creating memories, not paperwork. You can even sign right from your phone!2 All this and more makes Solarity your best option for home loans in Vancouver, Washington.
Or call for today's rates: 888.626.1799
Loan options for all stages of home ownership
Home loans with a boost
Experience the best mortgage experience you’ll ever have, thanks for Solarity Credit Union. We streamline the home loan process, making it fast and easy. It takes only a few minutes to apply online.
Rated 98 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.3 And our expert Home Loan Guides are here to help every step of the way.
Home loan options include:
- Flexible loan terms to fit your budget and lifestyle
- Competitive rates and affordable payment options
- Flat origination fee, saving you thousands on closing costs
Our members say it best
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!
Give us a call today:
1.888.626.1799
Or start your application online:
Pre-approval: what you need to know
Pre-approval 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 pre-approval process (full PDF checklist):
- Current address
- Driver's license and Social Security number
- Two months of bank statements
- Employment history for the past two years
- 30 days of pay stubs and the last two years' tax returns
- List of current debts
Let's talk about your ideal Vancouver, WA home loan
Applying for a mortgage shouldn't be difficult. We make is FAST and EASY with 3 simple ways to get started:
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
Call
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 meCommon questions about home loans in Vancouver, WA
Fixed-rate and adjustable-rate home loans differ in how the interest rate is structured over time.
A fixed-rate loan has an interest rate that does not change throughout the life of the loan. Your monthly principal and interest payments remain consistent, which can make it easier to budget over the long term. This type of loan is a popular choice for those who plan to stay in their home for many years or prefer long-term payment stability.
An adjustable-rate mortgage (ARM), on the other hand, typically starts with a rate that remains the same for an initial period. After that, the rate may adjust periodically based on market conditions. For example, a "5/1 ARM" usually has a fixed rate for the first five years, followed by yearly adjustments. This type of loan may be suitable for buyers who expect to move or refinance before the adjustment period begins.
At Solarity, we offer a variety of fixed- and adjustable-rate loan options. Our Vancouver, WA Home Loan Guides are here to help you explore your choices and find a solution that fits your needs.
A pre-approval letter is a document that states the dollar amount a lender is willing to lend toward a Vancouver, WA 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.
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 Vancouver, WA 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!
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 low, flat fee 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.
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.
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.
We can typically turn around a pre-approval letter very quickly - within 48 hours and a pre-qualification letter the same day. Supplying as much financial information as possible to our expert Home Loan Guides will move the process along quicker.
Want to learn more about what a pre-approval is and how it works? Watch our video.
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Solarity’s Home Loan Member Experience Survey score from March 2022.