As electricity prices continue to rise from the traditional electricity grid, as well as unpredictable outages, solar for your home has become a need in order to future-proof your home’s energy.

Many financial options are available amongst companies that offer lower costs. Going solar will give you so much control over not only your home’s energy, but the savings to follow as well.

From added property value to decreased utility bills, solar is a smart financial investment as a home owner. To help homeowners with solar financing, Love Solar Energy Services will help walk you through a number of financing options. Whether you choose to do a solar lease, a solar loan, or direct purchase each method of solar panel financing comes with its advantages.

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it can increase its resale value? According to studies, homes with
solar panels sell for an average of 4.1% more than homes without

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A suitable roof for solar panel installation should have
adequate sunlight exposure, minimal shading, and enough space
for the desired system size. The roof should also be
structurally sound and have a remaining lifespan of at least
20-25 years, which is the typical lifespan of solar panels. A
professional solar installer can assess your roof and provide
recommendations based on these factors.

The cost of installing solar panels depends on several
factors, such as the size of the system, the type of panels
used, and the location of the installation. On average, a
residential solar panel installation can cost anywhere from
$10,000 to $30,000. However, the cost can be offset by various
incentives, rebates, and tax credits available in some areas.

Solar panels typically last for 25 to 30 years, although the
actual lifespan may vary depending on factors such as the
quality of the panels, the installation process, and

Yes, solar panels do require some maintenance to ensure that
they continue to function efficiently. This includes regular
cleaning, inspection, and repairs as needed. It’s recommended
to have a professional conduct an annual maintenance check on
your solar panels.

Yes, solar panels are environmentally friendly because they do
not produce any harmful emissions, and they do not contribute
to climate change. Additionally, they use renewable energy
from the sun, which is a clean and sustainable energy source.

Increase in Home value
According to zillow

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Trees grown in 10 years



Gallons of gas not used


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Solar Leases and Power Purchase Agreements (PPA)

When you decide to lease your solar panels, you are acquiring a solar lease or PPA that would require you to make monthly payments. While solar panels make for significant energy upgrades and home upgrades, leasing the solar panels is only a good option if you are someone who prefers minimal responsibility. If you happen to need anything repaired or fixed, then your solar leasing company would send out a crew to perform any necessary maintenance. While solar panels require very little maintenance to begin with, this could be one reason for leasing panels instead of purchasing them.

Now once compared to other solar financing options, a solar lease does come with some negatives. When doing a solar lease you cannot receive the deductions that come from the Solar Investment Tax Credit (ITC). This might be a huge thing to consider when making your decision. In order to receive a state or federal tax credit you would need to own the system. Also, leasing solar panels means that you do not own them. So this would mean that if you decided to move then you would have to contact the solar company to negotiate purchasing the lease or transferring the lease to the new owner.

The Benefits of Solar Leasing

Even though solar panels have there drawbacks, this doesn’t mean that there aren’t some benefits. The benefits of solar leasing or solar purchase agreements (PPA) include:

  • Lower upfront cost than purchasing with cash.
  • Maintenance for the solar system will be the responsibility of the leasing company.
  • Monthly electricity bill savings but a higher monthly payment for lease that will offset the savings.

Solar Purchase and Ownership

In the long run this will give you the highest value for cost savings. Purchasing your solar panels outright will also give you the immediate benefits from solar tax credits, rebates, and lower utility bills. It also makes the timespan to experience the return on your investment even shorter.

The typical payback period for rooftop solar in the United States is around four to eight years. This will depend on the size of your system and the kind of solar panels and other equipment you selected. Luckily there are numerous government incentives that are at your disposal that are designed to help you with the initial expenses. These incentives will go a long way to improve your home’s energy usage for the lowest cost.

The Benefits of Buying Solar

The financial benefits of buying a home solar energy system with full cash upfront include:

  • Higher long-term savings for homeowners.
  • Monthly energy bill savings from the first month, with no monthly payment to offset the savings.
  • In some states, your solar purchase is tax deductible or exempt from property tax or sales tax altogether.

Solar Loans

Simply put a solar loan is a loan that is used towards the purchase of a solar power system for your home. The financing that comes with solar loans allows you to avoid the steep payments upfront while also giving you immediate ownership of your system. Just like with a regular loan, you will pay it off in monthly payments with an applied interest rate. Good news, you would be entitled to the benefits such as tax credits and rebates.

Like most home improvements, solar panels affects your home’s property value in a positive way. Your home will likely sell for more and faster, according to studies of home buyers and real estate.

The Benefits of a Solar Loan

The benefits of financing your solar panels with a loan include:

  • Zero upfront cost depending on type of loan (could be zero upfront in some cases).
  • Significant long-term savings.
  • Monthly utility bill savings.
  • Loan payment will eventually disappear.


When you are considering a solar lease, solar loan or direct purchase of solar, there are many different reasons why each financing option works. Arguably some of the best reasons to purchase your rooftop solar system are the abundant financial solar incentives that are available to you. Love Solar Solar we will take into account any available incentives to you.

Solar Tax Credits

When you schedule your free consultation , we will explain to you the different types of tax credits to apply to your solar panels. This includes the 26% Federal Solar Tax Credit(ITC) and any incentives offered by your state. The earlier you buy your solar panels the better, because the 26% tax credit will only be available through the end of 2022. The Solar Federal Tax Credit for homeowners with solar power will drop to 22% in 2023.

State And Utility Rebates

In some states, the state governments and even local utility companies will help to make your switch to solar even easier — with the use of rebates applied to your investment of solar panels. Utility companies are realizing just how fantastic solar panels are, and how much they can benefit everyone. So to encourage customers to go solar, some utility companies are offering solar rebates to help with the cost of switching to solar.

Energy Efficient Mortgage (EEM) Credits

Another option for affordable solar financing is to look into your eligibility for an Energy Efficient Mortgage, also called an EEM. An EEM is a mortgage that credits a home’s energy efficiency into the mortgage. This gives homeowners like you a chance to finance more energy saving measures, qualifies you for larger home loan amounts and gives you an energy efficient home. This home equity line of credit option is available either through the US government, or through an organization such as Fannie Mae. Buyers looking to make energy efficient upgrades like clean energy from solar panels to their current home may also qualify for refinancing options.


When you make an appointment with a Love Solar Solar Specialist, it’s helpful to know the square footage of your roof, the age of your roof as well the square footage of your home ahead of time.

The size of your roof, its age, the level of sun exposure and amount of shade coverage are all things that determine how the solar system will be installed on your roof. A roof with plentiful exposure to sunlight is ideal. Even better, a roof that has an east-west ridgeline with little to no interference from trees or buildings is the perfect place for panels to capture as much energy as possible from the sun. If the space on your rooftop is more limited, there are smaller higher-efficiency panels made to suit your home energy needs.

The size of your solar panel system depends entirely on your energy needs and the kilowatt-hours of power you need your solar panels to produce. If you want to lower your electric bill, the amount of solar panels will be determined by exactly how much you want to lower it. If you just want half your electricity use to be reduced, your solar panel system will probably be smaller. If you want to cover all your electric needs, you’ll probably need a larger solar panel system, which means of course, more solar panels. However, if you have limited roof space you could instead use higher efficiency solar panels. This would mean fewer solar panels, but greater generation rates.