Momentum Solar
Your Numbers
kWh per year — CT average ~8,500
$
per kWh
$
per month — what utility would charge for same kWh
% increase per year
$
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.

NJ Real Estate · 2026 Guide

Selling a House with
Solar Panels in NJ:
The Complete 2026 Guide

Lease, PPA, or owned system — here’s exactly how each scenario plays out at closing, what realtors get wrong, and how to protect your equity.

Omar Jackson Solar by Omar NJ
Omar Jackson — Founder, Solar by Omar | NJ Solar Installer I’ve been through the solar transfer process with sellers across NJ. The misinformation from realtors who don’t understand solar costs sellers real money. This guide covers what actually happens.

Can I sell my house with solar panels in NJ in 2026?

Yes — and in most cases solar is an asset, not a liability. NJ homes with owned solar systems sell for a 3–4% premium on average. Lease and PPA transfers are now a standardized process — any buyer with a 650+ FICO score can assume your agreement, and with NJ utility bills averaging $190+/month, a locked-in solar rate is a genuine selling point. The key is preparation: request your transfer packet 30 days before listing, handle the UCC-1 fixture filing correctly, and know how to explain the math to your buyer’s agent.

Realtors who haven’t closed a solar home will often tell you a lease “complicates the sale.” In 2026, with PSE&G at $0.29/kWh and JCP&L at $0.32/kWh, a buyer walking into a solar home is inheriting a locked rate that’s 40–50% below what the utility charges. That’s not a complication — that’s a selling feature. Here’s the complete picture for every scenario.

Scenario 1: Selling a Home with Owned Solar Panels

If you paid cash or financed your solar system with a loan and have paid it off, you own the panels outright. This is the cleanest sale scenario — the system is a fixture of the home, just like the roof or HVAC, and transfers to the buyer at closing with no third-party approval required.

☀️ Owned Solar = Free Equity at Closing

NJ homes with owned solar systems sell for an average 3–4% premium over comparable homes without solar. On a $450,000 Monmouth County home that’s $13,500–$18,000 in added sale price. NJ law prohibits municipalities from raising your property tax assessment because of solar — so the equity gain is tax-free. See our full 2026 NJ solar home value analysis.

What happens to your NJ SuSI TREC income when you sell?

If your system is registered in the NJ SuSI program and earning TREC payments, those payments are tied to the system — not to you personally. When you transfer the home, you can negotiate the remaining TREC income as part of the sale. The current ADI rate is $85.90/MWh for 15 years — if your system has 10 years remaining, that’s potentially $8,500–$9,000 in remaining TREC value that can be factored into your asking price or transferred to the buyer as an explicit included asset.

⚠️ UCC-1 Fixture Filing — The Closing Delay Most Sellers Miss

If you financed your solar system with a solar loan (not fully paid off), your solar lender may have placed a UCC-1 “fixture filing” on your property title. This is a lien that the buyer’s mortgage company will discover in the title search. You must contact your solar lender before listing and request a payoff statement or temporary subordination agreement. Failing to handle this in advance is the #1 cause of solar-related closing delays in NJ.

Scenario 2: Selling a Home with a Solar Lease or PPA

A third-party owned (TPO) system — lease or PPA — means a solar company owns the panels on your roof and you pay them a monthly rate for the electricity. At closing, your buyer has two options: assume the lease, or you buy it out before closing.

The Lease Transfer — How It Actually Works

Most NJ solar lease agreements include a standard transfer clause. The process:

  • Contact your solar provider 30 days before listing. Don’t wait until you have a buyer. Request the transfer packet early — most providers take 2–3 weeks to prepare the documentation. Common providers in NJ: Sunrun, SunPower, Tesla Energy.
  • Buyer credit check — 650 FICO minimum. The solar company runs a soft credit check on the buyer. Most major NJ financiers require 650 FICO or higher to assume a lease. If the buyer doesn’t qualify, see the “buyer refuses” section below.
  • Prepare a 12-month savings disclosure. Pull your last 12 utility bills alongside your 12 solar bills. Show the buyer side-by-side. A $189/month PSE&G bill replaced by a $130/month locked solar payment is a fact-based selling argument that eliminates lease anxiety.
  • Sign the transfer agreement at closing. The transfer is executed simultaneously with the property closing. The buyer assumes all rights and obligations of the lease — including the locked rate and the remaining term.

📌 The 2026 lease transfer advantage: Since the federal residential ITC expired December 31, 2025, new solar buyers can no longer get the 30% tax credit on direct purchases. A buyer assuming your existing lease is inheriting a system that was financed under the commercial Section 48E credit — which is reflected in their locked rate. That’s real value they can’t replicate by going solar fresh in 2026.

Owned vs Leased — How Each Impacts Your NJ Home Sale

Factor Owned System Lease / PPA
Home Value Impact +3–4% appraised value Marketing value only — no appraisal bump
Transfer Process Automatic with title transfer Requires buyer credit check + provider approval
UCC-1 Filing Risk Yes — if solar loan not paid off No UCC-1 — provider owns the equipment
SuSI TREC Income Transferable — negotiate into asking price Retained by provider in most agreements
Net Metering Credits Cashed out at wholesale rate on final bill Cashed out at wholesale rate on final bill
Buyer Refuses Deal N/A — system conveys with home Prepay remaining lease or execute buyout
Roof Replacement Issue R&R cost: $1,500–$3,000 R&R coordinated through provider

The Four “What If” Scenarios Sellers Worry About

What if the buyer refuses to take over my lease?

In 2026 this is rare — a locked solar rate at $0.16–$0.18/kWh against $0.29–$0.32/kWh utility rates is an obvious financial win most buyers recognize. But if a buyer refuses:

Option 1 — Prepay the lease. You pay off the remaining monthly payments at closing using seller concessions. The buyer gets free solar for the rest of the term. Cost depends on your remaining term and monthly rate — calculate it as a closing cost and adjust your asking price accordingly.

Option 2 — System buyout. Contact your solar provider for a buyout quote — the fair market value of the system. Roll that cost into your asking price. The system converts to owned, transfers automatically, and becomes an appraisal-boosting asset instead of a lease obligation.

Does a leased system increase my appraised value?

No — under Fannie Mae and Freddie Mac guidelines, appraisers cannot assign monetary value to a leased solar system because the homeowner doesn’t own the asset. The appraiser will note the system’s presence but will not add dollar value to the comp analysis.

However, this doesn’t mean the lease has no financial impact on your sale. In competitive NJ markets where buyers are acutely aware of utility costs, a home with a $130/month locked solar payment vs. a $200+/month utility bill will move faster and may generate higher offers — even if the appraisal doesn’t formally capture it.

What happens to my banked net metering credits?

🚨 This Catches Most NJ Solar Sellers Off Guard

In New Jersey, your banked 1:1 net metering credits do NOT transfer to your new home or to your buyer. When you close your PSE&G, JCP&L, or ACE account, the utility cashes out your remaining credits — but at the wholesale rate (approximately $0.03–$0.04/kWh), not the retail rate you built them at ($0.29–$0.32/kWh). That’s a 90% reduction in value. If you have significant banked credits, use your electricity aggressively in the months before closing — run the AC, charge the EV, use the dryer. Don’t leave credits on the table.

What if the roof needs replacement before closing?

If a buyer’s inspector flags the roof and requires replacement before closing, your solar panels must come down first. This is a Removal and Reinstall (R&R):

  • Get your R&R quote early. Contact your solar installer or provider before listing if your roof is over 15 years old. Most NJ R&R jobs cost $1,500–$3,000 depending on system size. Factor this into your repair budget.
  • Coordinate timing with your roofer. The sequence is: solar removal → new roof installed → solar reinstall. Total downtime is typically 3–5 days. Plan for this in your closing timeline.
  • Owned systems: handle directly with your installer. For leased systems, contact your provider — they typically handle R&R under the maintenance terms of the lease at no cost to you.

What NJ Realtors Get Wrong About Solar — And What to Tell Them

Many NJ realtors who haven’t closed a solar home will warn you that a lease “complicates the sale” or “scares buyers away.” This was partially true in 2019 when solar leases were less common and buyers were unfamiliar. In 2026 it’s outdated advice that can cost you money.

Here’s what to tell your realtor:

The Script for Your Realtor

“The buyer is not taking on debt — they’re taking over a utility payment that is 40% cheaper than what PSE&G charges. The transfer is a standardized process with a credit check. I have 12 months of bills showing side-by-side savings. In this rate environment, this is a selling feature, not a complication. Let’s market it that way.”

Planning to sell a NJ solar home?

Omar can walk you through your specific transfer process, pull your system’s remaining TREC value, and tell you exactly how to position it at asking price.

⚡ Get a Free Solar Transfer Consultation

NJ Solar Home Sale — Frequently Asked Questions

Yes. Both owned and leased solar systems can be transferred at closing in NJ. Owned systems transfer automatically with the title and typically add 3–4% to appraised value. Leased systems require a buyer credit check (650 FICO minimum) and provider approval — a standardized process that takes 2–3 weeks. In 2026, with NJ utility rates at $0.29–$0.32/kWh, a locked solar rate is a genuine selling advantage.
Contact your solar provider 30 days before listing and request the transfer packet. The buyer must pass a soft credit check (typically 650+ FICO). You provide the buyer with 12 months of savings documentation. The transfer agreement is signed at closing simultaneously with the property transfer. Common NJ providers — Sunrun, SunPower, Tesla Energy — all have standardized transfer processes.
Two options: (1) Prepay the remaining lease payments at closing using seller concessions — the buyer gets free solar for the remaining term. (2) Execute a system buyout from the leasing company at fair market value, roll the cost into your asking price, and the system conveys as owned. In 2026, buyer refusals are rare given NJ utility rates.
Owned solar systems add an average of 3–4% to NJ home values based on comparable sales analysis. Leased systems do not add appraised value under Fannie Mae/Freddie Mac guidelines, but provide significant marketing value as utility rate protection. NJ property tax law prohibits municipalities from raising your assessment because of solar — the equity gain is tax-free.
Banked net metering credits do not transfer to the buyer or to your new home. When you close your PSE&G, JCP&L, or ACE account, the utility pays out remaining credits at the wholesale rate (approximately $0.03–$0.04/kWh) — not the retail rate you accumulated them at. To avoid losing value, use your electricity aggressively in the months before closing. Don’t leave significant credits on the table.
If you financed your solar system with an unpaid solar loan, your lender may have placed a UCC-1 fixture filing on your property title — effectively a lien against the solar equipment. The buyer’s mortgage company will discover this in the title search. You must contact your solar lender before listing to obtain a payoff statement or temporary subordination agreement. Failing to address this is the most common cause of solar-related closing delays in NJ.
If the inspector requires a new roof, the solar panels must be removed first. This is called a Removal and Reinstall (R&R). Most NJ R&R jobs cost $1,500–$3,000 for owned systems. For leased systems, contact your provider — maintenance terms typically cover R&R at no cost. Plan for 3–5 days of solar downtime and coordinate: solar removal → new roof → solar reinstall.

Don’t Let Solar Slow Down Your NJ Home Sale

Omar has guided NJ homeowners through solar lease transfers, buyouts, and TREC valuations. Get a free consultation before you list.

⚡ Get a Free Solar Transfer Consultation

NJ solar home value report · Lease vs loan 2026 · NJ SuSI TREC program · Is solar worth it in NJ?

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