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.

Omar Jackson — NJ Solar Incentives Expert
Omar Jackson — Founder, Solar by Omar Former solar sales rep who’s sat across the table from thousands of NJ homeowners. This guide covers what the incentive programs actually pay — not what companies use to close deals.

NJ Solar Incentives & Rebates 2026: The Homeowner’s Complete Guide to Maximum Savings

New Jersey is one of the most lucrative solar states in the country — but only if you know how to stack the incentives correctly. This guide breaks down every program available in 2026, what each one actually pays, and how to make sure you don’t leave money on the table.

$85.90Per MWh SuSI Rate
15 yrsTREC Payment Term
0%NJ Sales Tax on Solar
$0Property Tax Increase

📋 What’s in this guide

  1. NJ SuSI Program & TREC Payments
  2. Federal Tax Credit (ITC) 2026
  3. NJ Tax Exemptions
  4. 1:1 Retail Net Metering
  5. How to Stack All Incentives
  6. Lease vs Buy: Who Gets What
  7. Frequently Asked Questions

1. The NJ SuSI Program & TREC Payments — The Big One

New Jersey replaced the old SREC model with the Successor Solar Incentive (SuSI) program, administered by the NJ Board of Public Utilities. It’s the most valuable state-level solar incentive in the northeast — and most homeowners don’t fully understand how it works.

Under SuSI, your solar system earns Transition Renewable Energy Certificates (TRECs) for every megawatt-hour of clean energy it produces. The state pays a fixed rate per TREC — currently $85.90/MWh — for a guaranteed 15-year term.

☀️ What the SuSI Program Actually Pays You

$85.90 per MWh — Guaranteed for 15 Years

For an average 8kW NJ residential system producing roughly 9,500 kWh per year, that works out to approximately $815 per year in TREC income — completely separate from your utility bill savings.

Over the full 15-year term, that’s $12,000+ in TREC payments on top of everything else. This is money the state pays directly into your account, not a discount or a credit — actual income.

Critical for lease customers: On a $0-down solar lease, the installer typically retains the TREC payments, not you. Always ask your installer directly: “Who keeps the SuSI TREC payments?” before signing anything. See our lease vs loan comparison here.

SuSI Program Capacity Blocks

The SuSI program operates in “capacity blocks” — each block has a fixed amount of solar capacity it will fund at the current TREC rate. When a block fills up, the next block opens at a potentially different rate. The current $85.90/MWh rate is not guaranteed forever. Homeowners who lock in now secure the current rate for their full 15-year term, regardless of what future blocks pay.

💡 Key fact: TREC payments are made quarterly by your TREC registration holder. Your installer registers your system with PJM-GATS on your behalf. If your installer never completed the registration, you may be missing payments you’re already owed — this is more common than you’d think. Learn about solar system audits here.

2. The Federal Solar Tax Credit in 2026 — What Actually Changed

This is the section most solar websites are getting wrong right now. Here’s the accurate picture for NJ homeowners in 2026.

⚠️ The 30% Residential Federal Tax Credit Is Gone for 2026

On July 4, 2025, President Trump signed the “One Big Beautiful Bill Act” into law. The residential Section 25D solar tax credit — which allowed homeowners to deduct 30% of their solar system cost from federal taxes — was terminated for any system installed on or after January 1, 2026. If you purchased solar in 2025, you can still claim it on your 2025 tax return. But in 2026, buying solar outright with cash or a loan comes with zero federal tax benefit.

The One Exception: Leases and PPAs Still Qualify

Here’s where it gets important for NJ homeowners. Solar leases and PPAs are the only remaining federal pathway to tax benefits in 2026. Because a lease is structured as a commercial transaction — the solar company owns the equipment, not you — it qualifies under the Section 48E commercial Investment Tax Credit, which remains in effect through 2027.

The installer claims the 48E credit and should reflect it in the form of lower monthly lease rates. This is one of the main reasons a $0-down solar lease from a reputable NJ company can still offer strong financial value in 2026 even without a direct federal credit to the homeowner.

🔑 What This Means for NJ Homeowners in 2026

If you buy solar outright or with a loan in 2026, you receive no federal tax credit. Your incentive stack relies entirely on the NJ SuSI TREC payments, net metering, and NJ state tax exemptions.

If you go solar on a $0-down lease through a qualified installer, the installer claims the 48E credit and passes the value to you through lower monthly rates. The lease model is now the only way NJ homeowners access any federal solar tax benefit at all.

See our full NJ lease vs loan comparison here — the math has changed significantly since the ITC ended for residential ownership.

3. NJ State Tax Exemptions — The “Hidden” Savings

These two state-level exemptions are often overlooked but add real value to the total incentive stack:

🏷️ 0% Sales Tax

NJ Sales Tax Exemption

All solar energy equipment is 100% exempt from New Jersey’s 6.625% sales tax. On a $25,000 system, that’s an automatic $1,656 saved at the point of purchase — no application required, no forms to file.

🏠 $0 Increase

Property Tax Exemption

Solar panels add significant market value to your home — studies show 3–4% on average in NJ. But state law prohibits your township from raising your property tax assessment because of solar. You get the equity gain without the tax hit.

📋 Automatic

No Application Required

Both the sales tax exemption and property tax exemption apply automatically — your installer handles the sales tax at point of sale, and property tax protection is mandated statewide. Nothing to file, nothing to track.

4. 1:1 Retail Net Metering — NJ’s Grid Credit System

Net metering is how your utility credits you for the surplus electricity your solar panels send back to the grid. New Jersey maintains full retail rate net metering — meaning you receive credits at the same per-kWh price you’d pay for electricity, not the lower “wholesale” rate many other states use.

In practical terms: if your panels overproduce in May when the weather is perfect, those surplus credits bank against your July bill when your air conditioning is running full blast. At the end of the year, any remaining credits are paid out at the wholesale rate.

💡 Net metering and your utility: ACE, PSE&G, and JCP&L all offer net metering under NJ state mandate — but each utility has slightly different billing cycles and credit structures. A local NJ solar installer who works in your specific utility territory daily will design your system to maximize your net metering benefit based on your actual usage patterns.

5. How to Stack All NJ Solar Incentives in 2026

The real power of NJ solar incentives is in combining them. Here’s what the full stack looks like for a typical 8kW system purchased in 2026:

Incentive Type Estimated Value (8kW system) When You Get It
Federal 48E Credit (via Lease/PPA only) Tax Credit (installer claims) Reflected in lower lease rate Ongoing — baked into monthly payment
Federal ITC — Cash/Loan Purchase Tax Credit ❌ Eliminated Jan 1, 2026 No longer available
NJ SuSI TREC Payments State Income $12,000+ over 15 years Quarterly for 15 years
Net Metering Credits Utility Bill Credit $400–$800/year Monthly on utility bill
NJ Sales Tax Exemption Tax Savings $1,650+ At time of purchase
Property Tax Exemption Tax Protection $500–$1,200/year avoided Ongoing, every year
Electric Bill Elimination Monthly Savings $150–$250/month Monthly, immediately

💰 Total 25-Year Value of NJ Solar Incentives

Combining all incentives, an average NJ homeowner installing an 8kW system in 2026 can expect to capture $45,000–$65,000 in total value over 25 years — through tax credits, TREC income, net metering, and bill elimination combined.

This is why NJ consistently ranks as one of the top 5 states for solar ROI in the country. The incentive stack is genuinely exceptional compared to most states.

6. Lease vs Buy: Who Gets Which Incentives

This is the section most solar companies hope you skip. The way NJ incentives are distributed depends entirely on your financing structure — and on a lease, you give up more than most people realize.

Incentive Cash / Loan Purchase $0-Down Lease / PPA
Federal Tax Credit ❌ Eliminated for 2026 purchases ✓ Installer claims 48E — passed through as lower rate
NJ SuSI TREC Payments ✓ You keep them Installer typically keeps them — always ask
Net Metering Credits ✓ You keep them ✓ You keep them
Sales Tax Exemption ✓ Applied at purchase ✓ Applied at purchase
Property Tax Exemption ✓ Automatic ✓ Automatic
Own the system ✓ Yes No — installer owns it

A lease isn’t automatically a bad deal — the $0 upfront and immediate bill savings are real benefits. But you should go in knowing exactly which incentives you’re giving up. Read the full NJ lease vs loan comparison here.

Frequently Asked Questions — NJ Solar Incentives 2026

A typical NJ homeowner with an 8kW system can capture $45,000–$65,000 in total value over 25 years through the federal ITC, SuSI TREC payments, net metering credits, sales tax savings, and bill elimination. The exact number depends on your system size, financing structure, utility rate, and how much electricity you use.
The NJ SuSI (Successor Solar Incentive) program pays homeowners $85.90 per megawatt-hour of solar energy their system produces, for 15 years. This income is paid quarterly and is completely separate from your utility bill savings. Your installer registers your system with PJM-GATS to begin receiving payments. On a lease deal, the installer typically retains these payments — so always ask before signing.
No — not for homeowners who purchase solar outright. The One Big Beautiful Bill Act, signed July 4, 2025, eliminated the residential Section 25D solar tax credit for systems installed on or after January 1, 2026. Homeowners who bought solar in 2025 can still claim it on their 2025 tax return. In 2026, the only remaining federal pathway is through a solar lease or PPA — the installer claims the commercial Section 48E credit and should reflect it as a lower monthly rate. This makes $0-down leases more financially compelling than ever in NJ compared to cash or loan purchases.
No. New Jersey state law prohibits municipalities from increasing your property tax assessment because of solar panels, even though panels add measurable market value to your home. The property tax exemption applies automatically — you don’t need to file anything.
Partially. On a lease or PPA, the installer claims the federal ITC and typically retains the SuSI TREC payments. You still benefit from net metering credits, the sales tax exemption, and the property tax exemption. The lease rate should reflect the installer’s ITC benefit — if it doesn’t, you’re not getting full value. Always compare lease vs loan total cost before signing.
The $85.90/MWh rate applies to systems registered in the current SuSI capacity block. Once that block fills, the next block may open at a different rate — higher or lower depending on market conditions and NJBPU decisions. Homeowners who lock in the current rate are guaranteed $85.90/MWh for their full 15-year term regardless of what future blocks pay.
Net metering credits your utility account at the full retail rate for every kilowatt-hour your panels send back to the grid. Credits bank monthly and offset future usage. At your annual “true-up,” any remaining credit balance is paid out at the lower wholesale rate. NJ’s 1:1 retail net metering is one of the most favorable in the country — and applies to ACE, PSE&G, and JCP&L customers under state mandate.

Don’t Leave NJ Solar Incentives on the Table

SuSI capacity blocks are filling up and the current $85.90/MWh rate isn’t guaranteed forever. Get a free savings estimate that shows exactly what your specific home qualifies for — before rates change.

⚡ Calculate My Total NJ Incentives — Free
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