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. We also offer our  eSigning Experience, allowing you to close online from virtually anywhere. You can even sign right from your phone!2 All this and more makes Solarity your best option for home loans in Yakima, Washington.

Or call for today's rates: 888.626.1799


Solarity Credit Union Makes Your Yakima Home Loan Process Fast And Easy.

Home loans with a boost

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 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:

  1. Flexible loan terms to fit your budget and lifestyle
  2. Competitive rates and affordable payment options
  3. Flat origination fee, saving you thousands on closing costs
  4. Convenient e-Signing closing to save you time
  5. Servicing of your loan stays with Solarity – always!

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

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:


Or start your application online:

Get Pre-approved For Your Yakima Home Loan Today.

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):

  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
Talk about home loans in Washington

Let's talk about your ideal Yakima home loan

Applying for a mortgage shouldn't be difficult. 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.

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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.

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Common questions about Yakima 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 Yakima 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-approval letter is a document that states the dollar amount a lender is willing to lend toward a Yakima 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 Yakima 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 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.

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.

Get started purchasing your new home

The Yakima housing market is rapidly growing and has become the heart and soul of Central Washington. Many potential home buyers have begun to take notice of this beautiful place to live and are hoping to find their dream home in the area.

There are several different benefits prospective buyers can take advantage of to get assistance when purchasing, particularly for first-time home buyers in Yakima. The state of Washington considers anyone who hasn’t owned or occupied a primary residence for the previous three years as a “first-time home buyer”. This means that even if you aren’t completely new to home ownership, you may still qualify for assistance programs.

Other common questions about home loans:

Closing costs for homes in Yakima can vary based on a number of factors, including mortgage fees, escrow fees, recording and documentation fees, homeowners insurance, and title insurance fees.

You can use some of the resources provided by the WSHFC such as the Loan Estimate to get a better idea of what you’ll be paying, but for your best guess, estimate between 2 - 5% of what you paid.

Yakima homeowners can work with the local authorities to figure out if there is any assistance for them in their area. One common program used to help with closing costs is the FHA’s Within Reach program, which was created for assisting low to middle income families with a down payment.

Local assistance programs usually have similar requirements to those at the state or federal level, including:

  • Credit score - Generally you will want to have a credit score that is above 570, or you may be at risk of having to put down a larger payment of at least 10%.
  • Debt-to-income ratio - For buying a home, you cannot have a debt-to-income ratio that exceeds 43%. There are some factors that can change this slightly, such as the amount of savings or good credit, but this is the standard rule of thumb when you begin looking.
  • Owner occupied - For assistance at any government level, one of the requirements is that you live in the home yourself and consider it your primary residence.

Finding Out All Your Options

For new home buyers, there are two different types of loans that Washington State offers through the Washington State Housing Finance Commission. These are the Home Advantage and House Key Opportunity, both of which are programs for a discounted rate on your mortgage in Washington State. They also can both be used with a conventional loan, along with loans from the FHA, VA or USDA.

These two programs have similar requirements, including requiring first-time home buyers to attend a five-hour-long educational seminar. There they will teach you all the information that you need to be successful and make sure that you fully understand the commitment that you’re making.
The WSHFC Home Advantage program provides new homeowners with assistance in getting the lowest interest rates for their mortgage, with very few requirements. The program requires that you have a 620 credit score at a minimum, as well as a maximum 50 percent debt-to-income ratio. For this particular program, applicants must also have an annual income under $160,000 to qualify.

Along with this opportunity, you can also consider the WSHFC EnergySpark program, which works in tandem with the Home Advantage program. By purchasing an eco-friendly home or a home that can be renovated to meet the state’s green standards, you can receive a larger discount on your property’s interest mortgage rates in Yakima.
For those who fall on the lower income side of the spectrum or have an income below 80% of the area median, this program may be the best option to accommodate your needs. One thing to consider is the income limits of this particular opportunity, which can range from $75,000 to $140,000 based on location, as well as the size of the home you want to buy. In addition, there are limits on the cost of the house, from $265,000 to $575,000.

Like the Home Advantage program, this one also offers competitive discounts on your interest rates and can be used on an FHA, VA or USDA loan.
When you finally choose the perfect place, you want to make sure you’re putting in a competitive offer, with the highest down payment possible for your financial situation. There are a lot of programs to help you round up the funds for your down payment, and on average, people in the state receive $10,000 in loans for this purpose. These types of home loans in Yakima are contingent on being returned before you start selling your home, or when looking into WA state refinancing rates.

There are usually a few requirements for these loans, including a credit score of 620 or above, along with income limits. The additional requirements will vary from program to program, so make sure to do your research when looking into which one is right for you.
The Home Advantage interest rate program can be used in conjunction with the state's Down Payment Assistance, offering extra help for those who need it when trying to purchase their first home. A DPA is usually created for around 4% of your total mortgage, or 5% for the conventional HFA Preferred Loans. In addition to the assistance, there is no interest on this form of loan and they can be paid off within 30 years.

There is also a needs-based version of the Home Advantage DPA, for those who have an income below ($105,300 a year ($134,000 in King or Snohomish counties). If you fall into this category, you can be qualified for a $10,000 loan that you can use for your down payment and pay off over the next 30 years. Along with deferred payments, the interest rate is low, at only 1%.


Helpful articles and information


What is a 7/1 ARM?

A 7/1 ARM is an Adjustable-Rate Mortgage (ARM) that has a fixed rate for the first seven years of the loan and then adjusts each year thereafter.

Solarity surpasses blood drive goal, filling critical need in the Yakima Valley

Solarity Credit Union teamed up with the Red Cross Yakima Blood Donation Center to host a blood drive to collect desperately-needed units of blood.

Selah food drive: generosity of Solarity members and employees aids local food bank

Thank you to our members and employees who supported Solarity's March food drive benefitting the Selah Naches Food Bank!

All loans are subject to credit and property approval. Not all applicants will qualify. Special terms and conditions may apply.

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Solarity’s Home Loan Member Experience Survey score from March 2022.