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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!


Featured rate

Rates accurate as of September 24, 2021
APR as low as*
Sample payment

Traditional 30-year fixed-rate mortgage

Loan programs to help you purchase your first home


No-down payment programs

Low-down payment programs

Traditional home loans

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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:

  1. Step 1: Get prequalified to figure out what you can afford
  2. Step 2: Shop for houses (the fun part!)
  3. Step 3: Make an offer
  4. Step 4: Close
  5. Step 5: Move in and start enjoying your new home!

Payment calculator

^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. 

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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:

  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
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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:

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Apply online in just a few minutes.

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We guide you every step of the way.

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Great rates and flexible terms.

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


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

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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:

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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.

I'm ready, let's go!
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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.

Start my call
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Fill out a contact form and one of our Home Loan Guides will get in touch with you shortly.

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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-qualification 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.

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.

Nothing! A pre-qualified letter is free and will provide you with the buying power you need to start your house hunt.

It typically takes about 48 hours to produce a pre-qualification letter.

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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*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.