Finance Options

www.shi.energy/options

Loanpal

Minimum Fico score of 650. +650 = $50k approval. +700 = $100k approval.

Any additional items needed to facilitate the installation of the solar system can be added into the loan, including full roofs, MPU Upgrades, etc. (Not all will qualify for the ITC)

  • Allow BK or Foreclosure if at least 4 years old

  • Will allow 30 day late on mortgage in last 12 months.

    • Owner occupiers residences, second/vacation homes, up to 4 unit residences (Including Townhomes)

  • No condo's or mobile homes, or investment properties, roof must be owned, not shared.

  • Will finance two systems per borrower.

Finance Fee’s:

  • 20 Year 3.99APR Dealer Fee 17.5%

  • 15 Year 3.99APR Dealer Fee 16.25%

  • 12 Year 2.99APR Dealer Fee 18.25%

  • 10 Year 3.99APR Dealer Fee 13.75%


Sunlight

Finance Fee’s

  • 25 Year 4.49APR Dealer Fee 18.5%

  • 20 Year 3.99APR Dealer Fee 18%

  • 15 Year 2.99APR Dealer Fee 16.75%

  • 12 Year 2.99APR Dealer Fee 13.75%

  • 10 Year 2.99APR Dealer Fee 13.5%


Dividend

https://shi.energy/dividend

Underwriting Guidelines - Borrower & Home Qualifications

  • Interest rates based on selected Dividend rate structure and Customer Prequalification:

  • 660 minimum FICO score – exceptions may be made

  • Soft credit check and instant prequalification

  • $40k minimum household income

  • Income verification waived for well qualified borrowers

  • Prior bankruptcies must have been discharged a minimum of 2 years

Finance Fee’s

  • 20 Year 4.99APR Dealer Fee 16%

  • 12 Year 3.99APR Dealer Fee 16%