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Mortgage Options

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First Time Home Buyers Program

Buying Your First Home?

First Time Home Buyers Program 
  • $750 Origination Fee Waived 
  • May qualify for up to $8,000 in Grant Money 
  • Down Payment as little as 3% 
  • Home Buyer Education
  • Special Gift & Other Discounts

*You're considered a First Time Home Buyer if you haven't owned a home within the last 3 years.

Building a New Home?

Solidarity offers Construction Loans to help you build the home of your dreams! We handle all the details for you! We just need a copy of your blue prints, the building contract and any estimates on the costs to get you started!

  • Fixed Interest Rate
  • Terms up to 12 months
  • Interest only payments during the construction phase
We offer a rate lock option for the permanent loan as early as 90 days to completion of home! 

Adjustable Rate Mortgage

Do you like the thought of getting the lowest rates we offer?

We thought so, and that's why we are here to help you get started on your Adjustable Rate Mortgage!

Here's how it works:
  • Interest Rate is fixed for the first five years. 
  • Rate may adjust up or down depending on market conditions every year thereafter 
  • Rate adjustments are capped at 2% annually 
  • Rate adjustments are capped 5% above the initial rate over the life of the loan 
  • No prepayment penalties 
The ARM may work for you if you answer yes to any of these questions.
Do you want the lowest mortgage rate available?
Do you plan to move or refinance in the next 5 years?
Do you want to (significantly) reduce your monthly mortgage payment?

CU AdvantageSolidarity                                                                                                                                
CU Advantage Mortgage Loan

No down payment? No problem!  We offer 100% financing! 

Some restrictions may apply.

Vacation Home Loans

Vacation Home Loans 

Home Away From Home
Looking for a place to get away to from time to time like a lake cottage, a place on the beach or a log cabin in the woods? Solidarity may be able to help you with financing.

We offer:
  • Terms up to 30 years
  • Financing rates are the same as our primary residence mortgage loans
  • Minimum down payment of 10%

VA Loans

Are you on active duty or a Veteran? We have the perfect home loan for you!   

Requirements & Features:     
  • Owner occupied only
  • 15 & 30 year Fixed Rate mortgages
  • One time VA funding fee that can be financed 
  • No monthly mortgage insurance
  • 100% financing available on purchases and refinances    
Note: There are other groups of individuals who may be eligible. To determine eligibility check eBenefits at:, or contact the VA Eligibility Center at 1-888-768-2132    

USDA Loans

Under this program, a borrower who meets the income, credit, and property qualifications of Rural Development can obtain a loan with absolutely no money down! 

How It Works: 
  • Ability to finance closing costs & prepaids in the mortgage 
  • Not limited to First Time Home Buyers
  • 30 year fixed rate first mortgage  
  • Property must be located within a designated rural area as determined by Rural Development. 
  • No down payment required!          

FHA Loans

  • Owner occupied only
  • 15 & 30 year Fixed Mortgage rates
  • Not limited to First Time Home Buyer
  • 3.5% down payment

Trustage Insurance | SOLFCU

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