We recently posted a blog about the tax incentives available for purchasing a solar energy unit for your home or business. While the incentives are quite generous, up to 55% in credits for homeowners, a solar energy system may still be a little pricier than you can afford. We completely understand. That’s why we want to tell you a little about some financing options that you may have not known about.
The U.S. Department of Energy has multiple suggestions on their site on ways to finance your solar energy investment. You can apply for energy-efficient financing through a government-insured or conventional loan program. In South Carolina, our State Energy Office has programs for residents interested in purchasing solar energy products. You can check those out on their website.
FHA’s Energy Efficient Mortgage program (EEM) helps homebuyers or homeowners save money on utility bills by enabling them to finance the cost of adding energy efficiency features to new or existing housing as part of their FHA insured home purchase or refinancing mortgage.
There are two types of energy-efficient mortgages (EEMs): one for a new home and one for an existing home. With an EEM, you can purchase or refinance a home that is already energy efficient, or you can purchase or refinance a home that will become energy efficient after energy-saving improvements are made. Most energy-efficient financing programs offer both types of EEMs, as well as home-improvement loans for making energy-efficiency upgrades to your existing home.
Another way to finance your solar energy unit is a solar same as cash loan. These are no money down, no interest for a chosen period of time which corresponds to an origination fee on the loan. This basically means you can get a solar system and not pay anything until you get your tax credit back the following year.
For commercial projects, a business can get a grant upfront instead of a tax credit the following year. If you’re interested in looking into obtaining a grant, get in touch with us and we can walk you through that process. We’ll even help out with the paperwork!
Also something to look at is the success of Property Assessed Clean Energy programs (PACE) that municipalities across the country have started adopting- basically a municipal fund is created through bonds that allows homeowners or businesses to borrow against it and pay it back through their property taxes.
As you can see, there are many different avenues out there for financing of a new solar energy system. Also, remember to check out information about Tax Incentives that are available. There’s a reason the government is trying to make purchasing these units enticing; it’s good for our planet. Get in touch with Sustainable Energy Solutions today to find out about how you can start doing your part!

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