Momentum Solar
Your Numbers
kWh per year — CT average ~8,500
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per kWh
$
per month — what utility would charge for same kWh
% increase per year
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per kWh
% increase per year
Payment Trend
Year-by-Year Breakdown
YearUtility
Monthly		Solar Monthly
(before EPP)		Solar Monthly
(EPP)		Yearly
Savings
Your 25-Year Summary
💡

If You Do Nothing

$0
Total utility payments over 25 years
📈

Savings (before EPP)

$0
💰

Savings With EPP Pricing

$0
💡 What is Efficient Partner Pricing (EPP)? ▼
Save Even More

Efficient Partner Pricing (EPP) rewards homeowners who help us operate efficiently. It's the same idea insurance companies use with non-smoker discounts — people who cost less to serve get better rates.

Here's how it works for you:

  • You set aside time to go through all the information and upgrade to solar in one visit
  • That saves us from making a second trip to your home
  • Each home we don't have to revisit lets us help one additional homeowner that month
  • We pass those efficiency savings back to you as a lower monthly rate

To lock in your EPP rate today, we just need three things:

  • ✅ Sign the agreement — get your solar journey started right now
  • ✅ Schedule your Engineering Visit — we send a specialist to finalize your custom system design
  • ✅ Set up autopay — enroll in automatic bank draft (ACH) to waive the monthly billing fee and lock in your lowest rate

It's a win-win. You get a better price today, and we get to help more families switch to solar. That's why the EPP rate you see above is lower than our standard pricing.

📄 Your Solar Lease — What You're Signing Up For

▼
1. Who Is This Agreement Between? ▼

This agreement is between you (the homeowner) and IGS Solar, LLC (the company that owns and maintains the solar system).

IGS Solar leases the equipment to you. You pay a monthly amount to use the system and keep the power it generates. IGS handles installation, insurance, repairs, and monitoring for the full 25 years.

All obligations start on the "Transaction Date" listed on your agreement — that's the day you sign.

2. How Long Is This Agreement? ▼

This is a 25-year lease — 300 months total. Think of it like leasing a car, but for solar panels.

The clock starts on the first day of the month right after your system gets turned on and connected to the grid. We call that the "Interconnection Date." Every year after that is a "Contract Year."

What this means for you: You're locking in your solar rate for 25 years. No renegotiating, no surprises. After 25 years, you choose what happens next — renew, buy the system, or let us remove it for free.

3. Your Monthly Payment ▼

You pay one fixed monthly amount for using the solar system. That's it. No equipment costs, no installation fees, no maintenance bills.

When you sign up, you'll set up automatic payment by credit card, debit card, or bank transfer (ACH). If you set up auto-pay through your bank (ACH), we usually waive the small monthly billing fee — so it's basically free to pay.

You'll get an email invoice every month. If a payment bounces, there's a standard returned-check fee (same as any other bill). If you're late, the fee is 1.5% per month on the past-due amount.

Sales tax may apply to your monthly payment, just like it does on your utility bill. That's normal.

Bottom line: Set it and forget it. One predictable payment. No utility bill roller coaster.

4. What Each Side Handles ▼

What IGS handles (so you don't have to):

  • Installation and construction start to finish
  • A revenue-grade meter that tracks every kilowatt-hour your system produces
  • Insurance on the system against damage or loss
  • All repairs if something breaks
  • No lien on your house — your home title stays clean. We may file a simple equipment notice (like a car loan notice) just to show we own the panels, but that's it

What we ask from you:

  • Keep trees and bushes trimmed so they don't shade the panels
  • Don't clean or modify the system yourself — call us if something looks off
  • Tell us ASAP if you see damage or something missing
  • Sign permit and inspection paperwork within 7 days when we send it
  • Keep your internet on — the monitoring system needs a connection to track performance. We can use your WiFi or install a cellular gateway
  • Get HOA approval if your neighborhood requires it
  • Don't use the system to heat a pool or hot tub
  • Share utility bills when we ask — helps us verify your savings

Roof work: If you're getting a new roof or doing construction that affects the panels, give us 30 days' notice. We'll coordinate removal and reinstallation. You keep paying your lease during any brief downtime.

Access: We need to get on your roof occasionally for maintenance or monitoring. We'll always try to give you reasonable notice. Access continues for 90 days after the lease ends, just in case we need to remove the system.

Bottom line: IGS handles the technical stuff. You handle basic homeowner stuff. Fair trade.

5. Before We Install ▼

Before installation day, we do our homework:

  • Engineering site audit to make sure your roof is solid
  • Final system design customized for your home
  • Real estate due diligence
  • All city permits, zoning, and building approvals
  • We claim any available rebates and renewable energy credits

You just need to return any paperwork we send you and get HOA approval if it applies.

If for some reason your roof can't support solar or the city won't approve it, we can cancel the agreement — but that's rare and protects both of us.

6. Changes to This Agreement ▼

The only way this agreement changes is if both of us sign a written amendment. No handshake deals, no verbal promises. We can fix utility paperwork to match the lease terms, but nothing changes your rate or your obligations without your signature.

7. Your Warranties ▼

Your protection comes from two documents:

  • The Limited Warranty (Exhibit 2) — covers defects, workmanship, and materials for 25 years
  • The Production Guarantee (Exhibit 3) — makes sure your system performs

Those two documents cover everything that matters. IGS doesn't make promises beyond what's in those exhibits — but honestly, they cover all the important stuff.

8. Can IGS Sell This Lease to Someone Else? ▼

Your lease may be transferred to a qualified financing partner — just like your mortgage gets sold to another bank. This is standard for solar leases.

Your rate, your terms, your warranty — nothing changes for you. The new company takes over the backend, and the old company is off the hook. Same as when your mortgage gets sold.

9. Who Owns the Equipment? ▼

IGS owns the panels, inverters, and equipment. It's considered personal property — like a leased car, not a built-in appliance. It doesn't become part of your house.

You can't let anyone put a lien on the equipment. If a contractor you hire separately tries to file a lien on the panels, you have 30 days to clear it.

Bottom line: You get all the benefits of solar without the headaches of ownership.

10. Who Owns the Power? ▼

You do. Every kilowatt-hour that hits your roof is yours. That's what you're paying for — the power, not the hardware.

11. Tax Credits & Incentives ▼

Since IGS owns the equipment, we claim the federal tax credits, state rebates, and renewable energy credits (SRECs). That's how we can offer you such a low monthly rate. We take the tax benefits on the front end, you take the savings on the back end. Win-win.

You'll need to sign some utility paperwork so we can process the incentives, but that's standard and takes two minutes.

Bottom line: The tax credits are baked into your low monthly payment. You're already getting the benefit — just in the form of savings instead of a tax form.

12. Can You Buy the System Later? Yes. ▼

Starting at year 5, you can buy the system outright if you want. The price is based on whichever is more fair:

  • Your remaining payments at a discount: All remaining lease payments, discounted at 5% per year. Basically "pay off the lease early at a discount."
  • What the system is actually worth: An independent appraiser figures out the fair market value. IGS pays for the appraisal.

If you buy it, you get any remaining manufacturer warranties and a bill of sale. From that day on, you're responsible for maintenance and repairs — just like you own it.

Bottom line: You have an exit ramp. Most people don't buy because the lease savings are already great, but the option is there if your situation changes.

13. What If You Sell Your House? ▼

You have three easy options. Most buyers love taking over a solar lease because it means lower electric bills from day one.

Option 1: Transfer the lease. Give us 30 days' notice, we run a quick credit check on the buyer. If they qualify, they take over the payments. This is the most common route — buyers see solar as a selling point.

Option 2: Prepay the lease. Pay off the remaining payments in a lump sum. The new owner pays nothing but still gets the solar power. Great for cash buyers.

Option 3: Buy the system (only if you're past year 5) and include it in the home sale. Now the buyer owns the panels free and clear.

Bottom line: Solar doesn't trap you in your house. It's a selling point. And if none of these work, talk to us — we want to help, not punish.

14. What Happens After Year 25? ▼

About 3 months before your lease ends, we mail you renewal forms. You have three choices:

  • Renew — sign the forms and keep going
  • Decline — sign the forms saying you're done, and the lease ends
  • Do nothing — your lease continues year-to-year at the same low rate, and you can stop anytime with 30 days' notice

If you don't renew or buy, we can remove the system for free at a time that works for you. Or we may transfer ownership to you as-is at no charge, and the system becomes yours to keep.

Bottom line: No cliff at year 25. You have options, and if you want out, we clean up after ourselves.

15. System Removal ▼

If you don't renew or buy after 25 years, we can remove the system for free and schedule it at your convenience. We'll take the panels off, seal the roof penetrations, and leave your roof as close to original as possible.

Or we may transfer ownership to you as-is at no charge, and the system becomes yours to keep.

16. Storms, Damage & Insurance ▼

Unless you intentionally damage the panels or are grossly negligent, IGS covers everything — hail, wind, fire, theft, you name it.

Your lease payment stays the same during repairs, but remember — you're still getting power from the grid, so your lights stay on while we fix the system. The repair is on us, not you.

Bottom line: Sleep easy. A tree falls on your roof? Not your wallet. Lightning strikes an inverter? We replace it.

17. Liability Limits ▼

If something goes wrong, IGS is only on the hook for direct damages — not lost profits, emotional distress, or other indirect stuff. Your liability to IGS is capped at what you'd owe under the default section.

Standard lease language. Every contract has it.

18. When Would This Go Bad? ▼

You're in default if:

  • You miss a payment and it's 30+ days late
  • You break a major rule and don't fix it within 14 days of us notifying you
  • You alter the system without permission
  • You give us false info on the application
  • You try to sell or transfer the lease without our okay
  • You go into bankruptcy or foreclosure

Bottom line: Pay your bill, don't mess with the equipment, and be honest. Do that, and you'll never think about this section. 99% of customers don't.

19. What Happens If Things Go South? ▼

This is the worst-case scenario section. If you default, we can try to fix the situation, take the system back, ask for the remaining value, or report it to credit bureaus.

This almost never happens because most people just pay their bill and enjoy the savings. If you're struggling, call us before you miss a payment — we'd rather work with you than against you.

20. Credit Check ▼

We run your credit when you apply. We report your payment history to credit bureaus.

Pay on time, build credit. Miss payments, it can hurt — just like any other bill. Standard stuff.

21. Photos of Your System ▼

We might take pictures of the panels on your roof for our website or marketing materials. Your name, address, and personal details stay private.

Your house might be a solar model home. No big deal.

22. Waivers ▼

If we don't enforce a rule one time, that doesn't mean we can't enforce it later. Standard contract language.

23. Legal Stuff ▼

This agreement follows the laws of your state. If there's a dispute, it gets handled in your local courts. No jury trials, no class actions — just straightforward resolution.

Standard legal boilerplate. Every contract has it.

24. Notices ▼

Important stuff has to be in writing — email, mail, or hand delivery. No "he said, she said."

25. The Whole Deal ▼

This document is the whole deal. No side agreements unless both of us sign them. If a court says one part doesn't work, the rest still stands.

26. Your Right to Cancel — 7-Day Safety Net ▼

You have 7 business days to change your mind. Zero cost. Zero hassle.

Sleep on it. Talk to your spouse. Google us. If you're not 100% in, cancel within a week and it's like it never happened. We'll refund any payments within 10 business days.

To cancel, just send a written notice to:

IGS Solar, LLC
6100 Emerald Parkway
Dublin, Ohio 43016
Email: SolarSupport@igs.com

Before You Sign ▼

By signing, you're saying:

  • "I've read this agreement and I understand it's legally binding"
  • "I know utility rates change over time, so savings can vary month to month — but over 25 years, the math is strongly in my favor"

Don't sign if there are blank spaces. Everything should be filled in before you put pen to paper.

Bottom line: You're making an informed decision. No pressure, no rush. You have 7 days to back out. Let me make sure every blank is filled and every question is answered before you sign.

Your 25-Year Warranty ▼

System Warranty: Professional install, free from defects in workmanship and materials for 25 years under normal use.

Roof Warranty: All roof penetrations are watertight for 5 years. If we put a hole in your roof, we seal it right.

Operation: The system will operate within manufacturer specs. If not, we repair or replace defective parts and restore operation.

Monitoring: Free monitoring for the full 25 years (unless you buy the system). We watch your production remotely. If something's off, we know before you do and we fix it.

Claims: Email SolarSupport@igs.com, call 888.974.0114, or mail overnight to 6100 Emerald Parkway, Dublin, OH 43016 — ATTN: IGS Residential Solar.

What's NOT covered: Damage you cause, unauthorized repairs, new tree growth shading the panels, or failures not caused by a system defect. Acts of God (hurricanes, earthquakes) — but remember, IGS still insures the system against those.

Bottom line: You're covered for 25 years. If the system breaks, underperforms, or leaks — we handle it. That's the whole point of leasing instead of buying.

Updated March 2026 — NJ Solar ROI Analysis

Is Solar Worth It in NJ?
The Honest 2026 Financial Answer

Federal tax credit gone. Utility rates at all-time highs. Here’s the real math on whether solar makes sense for New Jersey homeowners in 2026 — no sales pitch, no hype.

Omar Jackson — NJ Solar Financial Analysis
Omar Jackson — Founder, Solar by Omar | Former Sunrun Rep | NJ Solar Insider I came from solar sales. I know how the numbers get inflated. This analysis uses real 2026 NJ utility rates, actual SuSI TREC rates, and honest payback math — the same numbers I use when evaluating my own customers’ situations.

⚡ The Short Answer for 2026

Yes — solar is still worth it in New Jersey in 2026, and for most homeowners the math has actually improved. With NJ utility rates averaging $0.24–$0.26/kWh and the federal tax credit now only accessible through leases and PPAs, the $0-down lease structure has become the dominant choice. Day-one savings of 20–35% on your monthly bill, $815+/year in SuSI TREC income for 15 years, and a 25-year fixed rate that shields you from every future utility increase. The question isn’t really “is it worth it” — it’s “which structure works for your situation.”

If you’re looking at a PSE&G, ACE, or JCP&L bill and wondering whether solar pencils out in 2026, you’re asking the right question at the right time. The incentive landscape changed significantly at the end of 2025. Here’s the complete picture.

1. The NJ Utility Rate Reality in 2026

New Jersey electricity rates are among the highest in the northeastern United States — and they’ve been trending higher for years. Three factors are driving this: PJM capacity market costs following the retirement of aging power plants, grid modernization infrastructure investments being passed through to ratepayers, and rising Basic Generation Service (BGS) costs from competitive auctions.

The result is that NJ homeowners are paying significantly more per kilowatt-hour than the national average of roughly $0.17/kWh. Here’s where the three major NJ utilities sit in early 2026:

~$0.26PSE&G Rate Per kWh
~$0.24ACE Rate Per kWh
~$0.24JCP&L Rate Per kWh

These rates are all-in effective rates including delivery, supply, and fixed charges per kWh consumed. The higher your rate, the more valuable every kilowatt-hour your solar panels produce — because your net metering credits are valued at that same rate.

⚠️ Rate Hike Trajectory Matters More Than Current Rate

Even if current rates seem manageable, the 25-year trajectory is what kills you on the grid. NJ utility rates have increased an average of 3–4% annually over the past decade. At 3.5% annual increases, a $200/month PSE&G bill today becomes $490/month by 2049. A solar lease at today’s rate stays fixed. That gap is where the real long-term value lives.

2. The NJ SuSI Program — Your Ongoing Income Stream

Unlike most states where solar incentives are a one-time rebate, New Jersey pays you an ongoing income stream for every megawatt-hour your system produces. This is the Successor Solar Incentive (SuSI) program — and it’s the single most powerful financial lever in the NJ solar equation.

The current Administratively Determined Incentive (ADI) rate for residential systems is $85.90 per MWh, guaranteed for 15 years. It’s paid quarterly directly to your account by your aggregator. It doesn’t depend on what the utility charges, what rates do, or whether the grid is having a good year. It’s a state-backed payment for producing clean energy.

💰 SuSI Math on a Typical NJ System

System size 8 kW
Annual production (NJ avg ~4.4 peak sun hrs) ~10,200 kWh/year
SuSI rate $85.90/MWh
Annual SuSI TREC income ~$876/year
15-year total SuSI income ~$13,140
Net metering value at PSE&G $0.26/kWh +$2,652/year

Combined — SuSI income plus net metering value — a properly sized PSE&G territory system generates over $3,500/year in total financial value. At ACE or JCP&L rates the figure is closer to $3,200/year. These aren’t projections — they’re calculations based on current known incentive rates and current utility pricing.

Want the math run on your specific home?

Omar checks your utility, your roof, your grid status, and gives you honest numbers — free, no pressure.

⚡ Get My Free NJ Solar Analysis

3. The Federal Tax Credit in 2026 — What Actually Changed

This is where a lot of 2026 solar information gets muddled. Here’s the accurate picture:

The residential federal solar tax credit (Section 25D) — the 30% dollar-for-dollar credit that homeowners could claim on their personal tax return — was eliminated effective January 1, 2026 as part of federal budget legislation. If you buy a solar system outright with cash or a loan in 2026, you receive zero federal tax benefit.

However, the commercial Investment Tax Credit (Section 48E) remains fully intact at 30% for third-party owned systems — leases and PPAs. When Solar by Omar installs a system under a lease agreement, the company claims the 30% Section 48E credit on the system value, then passes those savings through to you as a lower locked-in monthly rate.

💳 Cash or Loan Purchase in 2026

  • You own the system outright
  • You keep 100% of SuSI TREC income
  • Zero federal tax credit
  • $18,000–$30,000 upfront cost
  • Payback: 8–12 years
  • Best if: high tax liability, plan to stay long-term

☀️ $0-Down Lease in 2026

  • $0 upfront — immediate savings
  • 30% Section 48E credit passed as lower rate
  • Maintenance covered for 25 years
  • SuSI TREC used to offset your rate
  • Savings: 20–35% from day one
  • Best if: want immediate savings, no large tax bill

📌 The honest nuance: On a lease, Solar by Omar retains the SuSI TREC income and uses it as part of the financial model to offer you a lower rate. On a cash purchase, you keep the TREC payments directly. Neither is universally “better” — it depends on your tax situation, how long you plan to stay in the home, and whether $18–30K upfront makes sense for you. See our full 2026 NJ lease vs loan analysis.

4. The Complete 2026 NJ Solar Financial Comparison

Financial Factor Cash Purchase $0-Down Lease
Upfront Cost $18,000–$30,000 $0
Federal Tax Credit $0 — expired Jan 1, 2026 30% via Section 48E (passed as lower rate)
NJ SuSI TREC Income You keep 100% (~$876/yr) Retained by installer, offsets your rate
Net Metering Credits Full retail — yours to keep Full retail — reduces your bill
Maintenance & Repairs Your responsibility post-warranty 100% covered for 25 years
Day-One Monthly Savings Depends on financing rate 20–35% immediately
Payback Period 8–12 years Immediate positive cash flow
NJ Property Tax Exemption 100% — no assessment increase 100% — no assessment increase
NJ Sales Tax 0% on all equipment 0% on all equipment
25-Year Rate Lock Fully insulated from rate hikes Locked rate — immune to increases

5. Solar and NJ Home Value in 2026

One of the most consistently misunderstood aspects of the solar ROI equation is property value. NJ homeowners frequently ask: “What happens to my home value when I sell?”

The data is clear: solar panels increase NJ home value — typically by 3–4% of the home’s market value. On a $450,000 Monmouth County colonial, that’s $13,500–$18,000 in added equity. The NJ property tax exemption means that increase in assessed value cannot be used to raise your property taxes — it’s a free equity gain.

For leased systems the situation is more nuanced — the lease transfers to the new buyer, who must qualify to assume it. Most buyers in today’s NJ market view an existing solar lease with locked low rates as an asset, especially given where utility rates are heading. See our complete guide on selling a home with solar in NJ.

6. Complete NJ Solar Incentive Stack in 2026

  • NJ SuSI TREC — $85.90/MWh for 15 years. State-backed quarterly income payments. On an 8kW system approximately $876/year — $13,140 over the full term.
  • 1:1 Net Metering. Full retail rate credit for every kWh exported. PSE&G at $0.26/kWh, ACE and JCP&L at $0.24/kWh — some of the most valuable net metering rates in the country.
  • NJ Property Tax Exemption. Solar adds equity but NJ law prohibits municipalities from raising your assessment because of it.
  • 0% NJ Sales Tax. All solar equipment exempt from NJ’s 6.625% tax at purchase — automatic, no application required.
  • Section 48E Credit (lease/PPA only). 30% commercial ITC available through third-party ownership, passed through as a lower monthly rate.
  • Governor Sherrill EO #1 Bill Credits. One-time residential utility bill credits directed for delivery by July 1, 2026 using RGGI and solar alternative compliance payment funds — separate from solar but stacks with your savings.

Frequently Asked Questions — NJ Solar ROI 2026

Yes — for most NJ homeowners with viable roofs, solar is worth it in 2026. With PSE&G at $0.26/kWh, ACE and JCP&L at $0.24/kWh, and NJ’s SuSI TREC program paying $85.90/MWh for 15 years, the annual financial value of a properly sized system typically exceeds $3,000/year. The federal residential tax credit expired December 31, 2025 for direct purchases, but $0-down leases still access the commercial Section 48E credit — making immediate positive cash flow the dominant path in 2026.
For cash/loan purchases, the typical NJ payback period in 2026 is 8–12 years depending on system size, utility, and roof orientation — longer than previous years because the 30% federal residential ITC expired. For lease/PPA systems the concept of payback doesn’t apply the same way — you save money from day one without any upfront investment. Most NJ homeowners choosing leases see 20–35% immediate monthly savings with no waiting period.
The 30% residential solar tax credit (Section 25D) expired December 31, 2025 for direct homeowner purchases. NJ homeowners who buy solar with cash or a loan in 2026 receive zero federal tax benefit. However, the commercial Section 48E credit remains active for third-party owned systems (leases and PPAs). Solar by Omar retains ownership under a lease, claims the 48E credit, and passes the savings to you as a lower locked-in monthly rate. See our full lease vs loan comparison.
The NJ Successor Solar Incentive (SuSI) program pays residential solar system owners $85.90 per megawatt-hour of electricity generated, guaranteed for 15 years. Payments are made quarterly by a registered aggregator. On a typical 8kW NJ system producing ~10,200 kWh/year, that’s approximately $876/year — $13,140 over the full 15-year term. The SuSI rate is in addition to net metering bill credits, not instead of them. Read our complete NJ SuSI guide.
It depends on your situation. Cash/loan purchase makes sense if you have significant federal tax liability to offset (the state-level incentives still apply), plan to stay in the home for 15+ years, and want to keep SuSI TREC income directly. Lease makes sense if you want $0 upfront, immediate monthly savings, and full maintenance coverage — and don’t have a large federal tax bill to offset anyway. For most NJ homeowners in 2026, the lease structure delivers better immediate ROI. See our full 2026 NJ lease vs loan analysis.
Yes — solar typically adds 3–4% to NJ home values. On a $450,000 home that’s $13,500–$18,000 in added equity. New Jersey law prohibits municipalities from raising your property tax assessment because of solar panels — so the value gain is tax-free. For leased systems, the lease transfers to the buyer and most NJ buyers view a locked-in low solar rate as an asset given current utility prices. See our full 2026 NJ solar home value report.

Get Your Personal 2026 NJ Solar ROI Analysis

Real numbers for your specific utility, roof, and bill — not a generic calculator. Omar reviews your situation and tells you honestly whether solar makes sense and which structure works best.

⚡ Calculate My NJ Solar Payback

How much does solar cost in NJ? · Lease vs loan 2026 · NJ incentives guide · NJ SuSI program

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