Financing a solar system is one option, but paying cash will result in the fastest payback of your new solar system which will reduce or eliminate your monthly utility bill.

A second option is to refinance your home. This option will allow you to produce your own power, save hundreds of thousands of dollars, and consolidate your higher interest debt into one low monthly payment. This option may be eligible for a tax deduction (check with your tax advisor).

The third option is to finance the solar project with an unsecured fixed loan. Your bank or credit union may be a better resource because of your existing financial relationship. Integrity would be happy to provide you with current programs and rates currently available.

You need to consider that when you make finance payments on a solar system, you are spending money that you would have already spent on a utility bill. Once the loan is paid off, you are cash positive for the rest of the life of the solar system. Your savings will be substantial over the life of the system.

Through advances in technology and local government rebates, solar energy is now a smart financial investment. The current solar energy rebate cuts the cost of system by more than half, making it the best time ever to buy solar. Solar energy not only protects you from rising electricity costs, but also increases the overall value of your home. Solar pays off now and over the long-run.

The math is actually pretty simple. In most cases, if your monthly electric bill is estimated to be more than $100, you could save money every month with an Integrity PV solar system. Even if you finance the cost of your system, the loan payment plus you’re new, lower electric bill will usually be less than your previous statement. This means your savings start immediately, and your system will eventually pay for itself.

Some homeowners may even earn back two to three times the cost. A lower electric bill and a system that pays for itself are just two reasons why solar is a smart investment.

• State utility incentives are available with the installation of a Solar Energy System  - call for current information
• Federal incentives give a Tax Credit of 30%: (12/31/2016)
• These incentives drastically lower the price of a Solar Energy System
• Electricity prices in California have been increasing at a record rate:
  With an average increase of 6.5% annually over the past 25 years in California and is projected to increase at a higher rate than we have experienced in the past.
• By Investing in Solar, you Protect Yourself against these Rate Increases -   Start putting that money back into your bank account and not theirs!
• If you had the opportunity to lock in your gasoline prices right now at $2.00 a gallon for 25 years, would you?
  
  Take advantage of this opportunity to essentially lock in your electricity costs today at a fraction of the cost of your current electricity.
  

Net Metering is required by law
The utility company must purchase any excess electricity you produce. PG&E's Net Energy Metering (NEM) program provides customers the ability to offset the cost of their electricity with energy their solar generating system exports to the grid.

• Every Green Power Solar Panel is guaranteed for 25 years:
  And recent evidence in accelerated time studies [RMI] has shown that solar panels can produce electricity for as long as 50 years and beyond, with minimal degradation.

• Our financial models all assume the guaranteed 25 years:
  Anything beyond that is truly free electricity, on top of the free electricity that your system will generate after it has paid for itself.

When it comes to home value, a Solar Power System may be your best "remodel option".
A study done by the Appraisal Journal also confirms this benefit:
Finding that a $1 reduction in annual energy costs results in a $20 increase in home or business value. The rationale is that the money from the reduction in operation costs (your electricity bill) can be spent on a larger mortgage or business lease with no net change in monthly cost of ownership.