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Mortgage Loans

Local lender, local decisions, local servicing

Whether you’re a first time home-buyer, seasoned homeowner, looking to refinance, or interested in purchasing a vacation home, we have the information, products and programs you need to make the mortgage process as easy as possible.  

Verity partners with Credit Union Home Mortgage Solutions (CUHMS), an organization that makes home loan processing convenient and hassle-free. CUHMS provides and services mortgage loans for Verity, which ensures that your mortgage is handled locally. CUHMS is co-owned by Verity Credit Union and Harborstone Credit Union. 

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If you haven’t found a real estate agent yet, we can help! We offer the HomeAdvantage® program, which allows you to earn cash back when you buy or sell your home—members have averaged $2,963 in cash back at closing during 2021!*


Perks of home loans at Verity

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No origination fees

Save money from the start

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eSigning available

Sign your documents from anywhere

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Rock solid purchase pre-approvals

Negotiate with confidence

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You have options

Conforming, low down payment, jumbo and government-backed loans available

Giving Back

Get a mortgage with us and Verity will donate $100 to Habitat for Humanity Seattle - King County. Donations are provided at no cost to the member at the end of the calendar year. 

This is the fifth year of our mortgage donation program. In 2020, Verity members generated $36,000 in donations! 

To learn more about how Verity supports the community, check out our annual Community Impact Report.

Today's purchase rates























Listed rates are based on the following criteria:

Zero Down 7/1 ARM: Purchase of a single family residence. 740 credit score. 100% loan to value, owner occupied.
Conforming and Jumbo: Purchase of a single family residence. 740 credit score. 80% loan to value, owner occupied.

Mortgage products

No matter your situation, we likely have a home mortgage loan that will work for you. Check out our options below.

Conforming & High Balance Mortgages

Verity's conforming and high balance mortgages are fully amortized and are available in 10-, 15-, 20- and 30-year terms, each having their own benefits. We also offer a 7/1 Adjustable Rate Mortgage (ARM), which provides a lower initial rate than our fixed rate products. 

  • Down payments as low as 3% (97% financing) for first-time home buyers** 
  • Conforming loan amounts from $50,000 to $510,400 
  • High balance conforming loans up to $765,600 in King, Snohomish and Pierce counties 
  • Available for primary residences, vacation homes and investment properties 

Verity Portfolio Mortgages

Verity offers a variety of portfolio loans including the Advantage Plus 7/1 Adjustable Rate Mortgage (ARM), offering 100% financing for home buyers. Rates are fixed for a 7-year period, adjust on an annual basis thereafter, and cannot increase or decrease more than 2% per adjustment. 

  • 2% periodic adjustment cap; 5% lifetime adjustment cap 
  • Available for primary residence single-family homes and condos; no manufactured or multi-family homes (purchase loans only) 
  • 100% financing and no private mortgage insurance (PMI) up to the conforming loan limit, currently $765,600 in King, Snohomish and Pierce counties (available for primary residence only) 

Jumbo Loans

Verity offers jumbo loans for borrowers looking to purchase or refinance a home that is above conforming loan limits. Jumbo loans have maximum flexibility with a 30-year fixed option, as well as a 7/1 ARM. 

  • Loan amounts up to $2,000,000 
  • Primary and second home residences eligible 
  • Cash out refinances available up to 80% loan-to-value 
  • First-time home buyers** are eligible; maximum loan amount of $1,000,000 

VA Loans

The VA Loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs. It is designed to help veterans and their families obtain home financing. Verity uses a correspondent relationship to offer these loans to our veteran members and their families. 

  • 100% financing with no down payment 
  • No monthly mortgage insurance 
  • No lender fee 
  • Closing costs can be paid by gift funds 
  • Available for any qualified veteran or their surviving spouse*** 

Home Renovation Loan

Verity offers renovation loans for Accessory Dwelling Units (ADUs), Detached Accessory Dwelling Units (DADUs) or other home improvement projects you may have in mind. These loans are available as you are buying a new home or refinancing your existing home.

  • Can be wrapped into your first mortgage 
  • Borrow based on the estimated value of your property after the renovation is complete 
  • Available on 30-year fixed mortgages 
  • Construction must be completed within nine months 

Home Equity Line of Credit

A home equity line of credit (HELOC) allows you to pay interest only on what you actually use, and you can access your entire credit limit for up to 10 years. Verity also offers Masterline HELOCs for borrowers looking to access equity in their current property. Plus, a Masterline HELOC allows to you to lock in the rate and term on up to three portions of your balance at a time. We offer HELOCs on primary residences and rental properties. Learn more.

Credit Union Home Mortgage Solutions NMLS #793241. Mortgages and home equity loans available in Washington state only.
*Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, Verity Credit Union may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by Verity Credit Union. Please consult with your Verity Credit Union representative for details that may affect you.
**First-time home buyer is any buyer that has not owned a home in the past three years. 97% financing available for owner occupied single-family residences and condominiums only. Vacation homes and investment properties have different down payment requirements. Please contact a Verity representative for additional information.
***Veterans and/or their spouses can check eligibility benefits by visiting or contact the VA Eligibility Center at (888) 768-2132.

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