Submit About usContact usLocations and ATMs Enter search term here.... Bank Borrow Discover Join Login Home Home Loans First-time Home Buyer Unlocking the door to a home of your own Home ownership might be closer than you think At Solarity, we're helping put home ownership within reach for more buyers with our no-down payment and low-down payment loan programs. So, you don't necessarily need to have 20% down in order to qualify for a home loan. Plus, low interest rates can make your dollars go farther. You might find that, for what you're paying in rent, you can actually afford a home of your own! Apply for a home loan Featured rate Rates accurate as of November 26, 2021 RATE 2.63% APR AS LOW AS* 2.88% POINTS $4,688.00 SAMPLE PAYMENT $1,004.13 Traditional 30-year fixed-rate mortgage See more home loan rates Loan programs to help you purchase your first home No-down payment programs Low-down payment programs Traditional home loans Understanding the home loan process It might seem like buying a home is a complicated process. Sure, there are some forms to fill out and some hoops to jump through. But when you work with Solarity, we do the bulk of the heavy lifting so you can savor the experience. After all, you only buy your first home once! Here's a quick overview of the process: Step 1: Get prequalified to figure out what you can afford Step 2: Shop for houses (the fun part!) Step 3: Make an offer Step 4: Close Step 5: Move in and start enjoying your new home! Apply online Get in touch with a Home Loan Guide Payment calculator Purchase Refinance Purchase price($) Down payment($) Loan term 30 Years 20 Years 15 Years 10 Years Credit score 740 or Above 700 to 739 660 to 699 620 to 659 580 to 619 579 or less I don't know Your estimated payment MONTHLY PAYMENT: $909.97 RATE 2.63 % APR 3.04 % RATE TYPE Fixed For estimating purposes only. Includes points paid at closing in the amount of $3,412.00 .^ Apply online for a home loan Still have questions? Contact us ^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. Prequalification: what you need to know Prequalification is an important step in applying for a home loan. It tells real estate agents and home owners that you're a serious buyer. Being prequalified can give you an edge in a competitive housing market. It also 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 prequalification process: 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 Apply 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: 1.888.626.1799 Or start your application online! Apply now Connect with a Home Loan Guide Complete the form below and one of our mortgage experts will be in touch shortly. First Name Last Name Phone Email Address What type of loan are you interested in? Select an option Purchase Refinance Comments Submit Create memories, not paperwork With a Solarity home loan, enjoy amazing service and a speedy close so you can get settled in your new home faster and easier than ever. Solarity home loans are: Fast Apply online in just a few minutes. Easy We guide you every step of the way. Affordable Great rates and flexible terms. Start your online application 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. Get the details 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 Don't take our word for it. Here's what our members say: "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 "The Solarity team was very nice. They were very responsive and they made it easy to get done. When I had questions, they explained it to me! " -Jeff L. Apply, ask questions or just kick some tires No matter where you are in the buying process, it's never too early to talk about financing. Get in touch with us 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. I'm ready, let's go! 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 Form Fill out a contact form and one of our Home Loan Guides will get in touch with you shortly. Take me there Common questions about home loans What is the difference between fixed and adjustable rate 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. What is a pre-qualification letter? How much of a down payment is required? How much does it cost to get a pre-qualification letter? How long does it take to get a pre-qualification letter? Do we have to take time off work to apply for our home loan? View more FAQs Helpful articles and information Solarity and YWCA Partner Up for the Holidays This holiday season, Solarity will be collecting toys on behalf of the YWCA that will be distributed to the children they support. Read more Protecting your money: how to identify fraud Do you know the four common tactics used by scammers? Familiarize yourself with their methods to protect yourself from becoming a victim. Read more Solarity raises conforming home loan limit to $625,000, helping members overcome rising home prices This increase means some borrowers may be able to purchase the home they want at conventional loan pricing, without having to step up to a jumbo loan. Read more *Annual Percentage Rate (APR) accurate as of date shown and subject to change. All loans are subject to credit and property approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply. Call us: 800.347.9222 Member Contact Center Hours Monday - Thursday: 8 am to 5:30 pm PT Friday: 8 am to 6 pm PT Saturday: 9 am to 2 pm PT Branch hours may differ. Mailing Address P.O. Box 2922 Yakima, WA 98907‑2922 Services Auto, RV, Boat and Motor Sport Loans Home Loans Commercial Real Estate Online and Mobile Banking Personal Banking Help & Support Avoid Foreclosure Consumer Fees Disclosures FAQs Helpful Articles Privacy Connect With Us Careers Contact Us Find ATMs and Locations © 2021 Solarity Credit Union. All rights reserved. All loans subject to credit approval. Membership required. Federally Insured by NCUA. Equal Housing Opportunity | NMLS #469535 | Routing #325183738 Chat