The Solita's House is a mortgage from Solita's House. Approval typically requires a credit score of Minimum credit score: 640 or higher. Typical credit limit: Up to $15000 (up to $15K for 80% or < AMI; up to $10K for 80.1% - 120% AMI; up to 3.5% for 120.1% + AMI, up to a max of $5000), based on applicant income eligibility. Loan terms: 10 Year term; payment to begin along with first mortgage payment; fix rate; no prepayment penalty.