You Can Own Solar Panels for $0 Down.

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Solar Financing

If you want to save thousands of dollars, chose financing and purchasing the solar panels option over leasing. It just makes sense.

Solar energy is available to everyone.

Do you consider purchasing a Solar PV system for your house? Homeowners often think that they cannot afford to purchase the solar panels due to the high upfront costs or because they have credit issues and won’t qualify for financing. That is not true.

$0 Down Solar

Just think about it. If you finance through specialized Banks, you can get your Solar PV system installed with 0 down payment. Don’t forget that the overall electricity cost will be much lower (even taking the cost of the Solar PV and installation under consideration).

The best way to finance solar energy.

Various financial solutions for the transition to solar energy are available today, such as cash purchase, renting , home equity loan or a bank loan.

Secured Loans

Low interest rates, High Rate of return and smaller payments, easy to qualify.

1. Pace and Hero programs, LA County

Property Assessed Clean Energy (PACE) Program enables homeowners to install energy efficiency, renewable energy and water-saving improvements to their properties without putting any money down! Under PACE, homeowners may work with one of two County-approved program administrators, PACEFUNDING and HERO, to finance these home improvements.

PACE allows LA County to issue a bond to a lender, which secures funding for the installation of energy efficiency, and renewable energy projects that are permanently fixed to the property. Homeowners then repay financing annually through an assessment on their property tax bill.

PACE financing enhances home values, lowers homeowners’ energy bills, reduces greenhouse gas emissions and creates green jobs.

2. Home equity line of credit.

This method might also be cost-efficient, as you can still claim the tax credit and subsidies.

3. Refinancing entire home loan at lower rates.

Take advantage of lowest interest rates in decades. Lower your payments, in some cases, even with your energy upgrades included.

Unsecured Loans

There are several financial institutions that provide residential solar loans.

Power Purchase Agreement (PPA) & lease programs

Power Purchase Agreement (PPA) is a financial arrangement in which a third-party developer owns, operates, and maintains the photovoltaic (PV) system, and a host customer agrees to site the system on its property and purchases the system’s electric output from the solar services provider for a period of 10 to 20 years.

The solar services provider or another party acquires all valuable financial benefits, such as tax credits and income generated from the sale of electricity.

Difference between PPA and Lease Program
PPA fixed payments for the life of contract
Lease programs, customers pay similarly to traditional electric bills (kwh used per day) at a lower electric rate offer by the third-party developer. In some cases, there is an annual rate hike of 1 to 3%

Remember: When You Lease You Miss Out On Valuable Tax Credits!

Homeowners often don’t realize that the Federal government only offer tax credit to those who purchase the Solar PV systems. If the Solar PV systems are leased, the homeowner doesn’t get the credit, the solar company does. Your house is your property, don’t let someone else make money off your home!

By the way, did you know that selling a house with leased solar panels might become difficult?

The owner of the solar system can put a lien on your home. The solar company now has some control over your house and in a way becomes your partner. Only purchasing the solar panels adds value to the property and the manufacturer’s warranty might be transferred to the new owners when you sell your house.