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.* 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. All this and more makes Solarity your best option for home loans in Spokane County, Washington.
Or call for today's rates: 888.626.1799
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 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:
- Flexible loan terms to fit your budget and lifestyle
- Competitive rates and affordable payment options
- Flat origination fee, saving you thousands on closing costs
- Convenient e-Signing closing to save you time
- Servicing of your loan stays with Solarity – always!
^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.
- Sign from anywhere using your phone, tablet or computer
- Review your documents ahead of time before signing
- Remote Online Notary (RON) certifies the process (no need to leave home!)
- 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!
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:
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
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!"
"This is the fourth home that I’ve bought in my life, and this is by far the best experience."
"My closing was done in two and a half weeks! It happened so much sooner than expected. It was exciting."
Let's talk about your ideal home loan
Applying for a mortgage shouldn't be difficult. We make is FAST and EASY with 3 simple ways to get started:
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
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
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-approval 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.
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.
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.
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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Time for a home update? Should you buy new or cash-out refinance and remodel?
The exact right time to refinance a mortgage will depend on each homeowner and their unique circumstances, wants, needs, built-up equity and personal finances.
When is it worth it to refinance a home loan?
Know when to refinance your home loan. Have interest rates dropped? Has your credit score improved? Has your home's value increased? Looking for new loan terms?
Mobile app: message and data rates may apply depending on your cell plan. Please contact your wireless carrier for more information.
*All loans are subject to credit and property approval. Not all applicants will qualify. Special terms and conditions may apply.