Submit About usContact usLocations and ATMs Enter search term here.... Bank Borrow Discover Join Login Home Home Loans Home Loans Whether you're upsizing, downsizing or looking to refinance, our expert Home Loan Guides can’t wait to partner with you on this big milestone. We make the home loan 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! Apply online Featured Rate Rates accurate as of November 26, 2021 RATE 2.63% APR AS LOW AS 2.88% POINTS $4,688.00 SAMPLE PAYMENT $1,004.13 Traditional 30-year fixed mortgage See all home loan rates Loan options for all stages of home ownership I want to buy a home I want to refinance I'm a first-time buyer Home equity options Investment properties (1-4 units) Home loans with a boost Simple. Fast. Affordable. Introducing Solarity Credit Union and the best mortgage experience you’ll ever have. We make the home loan process fast and easy. You can apply online in just a few minutes. Rated 93 out of 100 by thousands of Solarity borrowers, our online mortgage process saves you time so you can focus on the things that really matter. And our expert Home Loan Guides are here to help every step of the way. Home loan options include: First-time home buyer No-down-payment and low-down-payment programs Refinance: traditional, cash-out and no-closing-cost options Second and vacation homes Real estate investment loans Home equity line of credit (HELOC) Flexible terms and competitive rates Purchase Refinance Today's rates Rates accurate as of November 26, 2021 Traditional 30-year fixed APR AS LOW AS* 2.88% Express Refinance APR AS LOW AS* 2.75% Home Equity APR AS LOW AS* 4.25% View all home loan rates Purchase Refinance Purchase price($) 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 Estimate your loan payment loading... Ready to apply? Start here! Questions? Get in touch ^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. Explore more 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 Prequalification: what you need to know Prequalification 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 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 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!" -Jennifer D., homeowner "This is the fourth home that I’ve bought in my life, and this is by far the best experience." -Patricia J., homeowner "My closing was done in two and a half weeks! It happened so much sooner than expected. It was exciting." -Pedro S., homeowner Let's talk about your ideal home loan Applying for a mortgage shouldn't be difficult. After all, it isn't rocket science! 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 me 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 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 You might also like: Auto, RV and Motor Sport Loans Work hard, play hard! When adventure calls, we'll help finance the fun with loans for your auto and recreational needs. Drive me there Credit Cards Payment versatility and convenient access to your available credit with no annual fee or balance transfer fees. Spend with ease Commercial Real Estate Loans We take the time to build a true financial partnership that propels your real estate business. See the Solarity difference 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 Mobile app: message and data rates may apply. *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