Residential Solar Installation:

Zero Down Solar is proud to be an accredited solar contractor with the HERO Program. We can walk you through the process of applying for and receiving the funding for your own solar system and energy installation today! For more information on the HERO Program visit heroprogram.com.

The purpose of Zero Down Solar's energy partnership with the HERO Program is to make solar financing quick, easy, and accessible.

Zero Down Solar has low promotional rates for HERO loans with 5-25 Year Options available.

• HERO uses a community program called Property Assessed Clean Energy (PACE).
• PACE solar loans are based primarily on the equity in your home - not your personal credit score.
• You can qualify for solar loans of up to 15% of your home's value.
• With the HERO Program, you pay back your solar loans as a line item on your property taxes. Easy.
• HERO is not a government program.

Ygrene Energy Fund's award winning YgreneWorks program provides 100% no money down PACE financing for energy efficiency, renewable energy and water conservation improvements to your home or business.

With YgreneWorks, you can lower your utility bills and increase your comfort while reducing greenhouse gas emissions in your city.

• Payments are conveniently made through your property tax bills.
• Eligibility is based on the equity in your property (among other factors), not on your credit score, proof of employment, income or financial statements.
• Payments can be deferred for up to 30 months.
• YgreneWorks is not a government program.

Offering Zero Down Energy Efficiency & Solar Loans: PLCU makes going solar easy by offering low rates on Solar and Energy Efficiency Loans. Solar Loans - Rate as low as 5.49%APR* and borrow up to $55,000.

The monthly payments for a 15-year solar loan are almost always lower than those of a 20-year lease or PPA. How much lower depends on whether your solar loan is secured or unsecured- SDMCU offers multiple financing options.

• This is not a Solar lease, PLCU provides excellent unsecured energy loans. You own the solar panels with the help of a solar mortgage.
• A full financial analysis of leasing vs. financing always shows that a cash purchase or finance to own is in their best long-term financial interest
• Keep state rebates, federal credits, SRECs, in your pocket
• No escalators
• You own the solar system from Day 1, and after your solar mortgage is paid in full you will be able to enjoy the freedom from the energy payments for decades

Solar/Energy Loan Program

• $10,000 min Loan.
• Receive a 0.25% rate reduction for automatic payment UCC-1 Fixture Lien filed for all loans.
• Signed copy of invoice /contract.
• Loan funded after permit is approved.
• Minimum credit score requirement - 620.
• (Vantage) Income verification may be required.
• Clean title (PIRT). 1st payment 90 day deferred. (sign docs when permit is received for max benefit)
• No concurrent financing with other programs.
• No reverse mortgages.
• Debt-to-Income ratio: Tier A: < 65%, Tier B: < 55%, Tier C: <50%