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.

Solar Panel Installation in Hamilton, NJ | Solar by Omar | PSE&G $0.26/kWh Highest-Rate 2026
Mercer County — Highest PSE&G Rates + Commuter Hub

Solar Panels in Hamilton, NJ:
PSE&G $0.26/kWh + Bill A5264 Fast-Track 2026

Hamilton faces highest PSE&G rates in NJ ($0.26/kWh). Bill A5264 fast-tracks permitting. Governor Sherrill EO#1 (July 2026) mandates residential rate credits. Lock solar NOW before credits eliminate ROI arbitrage. Capture $85.90/MWh SuSI on $0-down lease.

⚡ Get My Free Hamilton Quote
Omar Jackson — Hamilton Township NJ Solar Installer
Omar Jackson — Founder, Solar by Omar 170+ Hamilton Township rooftop installations. I specialize in PSE&G’s $0.26/kWh highest-rate arbitrage, Bill A5264 smart-permitting fast-track (digital platforms), Governor Sherrill EO#1 residential credits timeline (July 2026 deadline), Mercer County NYC/Philadelphia commuter optimization, and locking SuSI income before legislative rate-relief policies eliminate solar ROI.

Is solar worth it in Hamilton in 2026?

Yes — absolutely. Hamilton residents face PSE&G rates at $0.26/kWh (highest in NJ), rising 2–3%/year. A 12 kW rooftop system saves $3,600–$4,800/year on typical $2,200/year PSE&G bills.

Add NJ SuSI’s locked $1,031+/year, and Hamilton homeowners capture $4,631+/year in protected value.

Critical timing: Governor Sherrill’s EO#1 mandates residential rate credits effective July 2026. Installing solar NOW locks SuSI rates before legislative relief eliminates arbitrage. Layer in Bill A5264 fast-track permitting (digital approval platforms) + 1:1 net metering, and you lock 25-year inflation immunity — all on $0-down with 1–2 week approval.

Hamilton Township is Mercer County’s premier high-rate solar market — facing PSE&G’s highest per-kilowatt charges ($0.26/kWh) in all of New Jersey, while simultaneously sitting as the region’s largest commuter hub for NYC and Philadelphia workforce.

We specialize in this market: engineering 12 kW systems optimized for highest-rate arbitrage, mastering Bill A5264’s digital-platform fast-track permitting (1–2 week approvals vs. traditional 4–6 weeks), timing installations before Governor Sherrill’s July 2026 residential rate-credit deadline (which will collapse solar ROI if delayed), and maximizing SuSI income on rate-parity-locked systems.

$0.26PSE&G Highest Rate
Bill A5264Fast-Track Platform
1–2 wksDigital Approval
Premium rooftop solar installation Hamilton NJ highest-rate arbitrage
Solar by Omar — Hamilton premium 12 kW rooftop system engineered for PSE&G’s $0.26/kWh highest-rate market + Bill A5264 digital fast-track approval.

The PSE&G $0.26/kWh Crisis: Highest Rates in New Jersey

Hamilton residents pay $0.26/kWh blended (supply + delivery) — the highest rate in NJ. For comparison: Bergen County averages $0.24/kWh; Atlantic County averages $0.21/kWh.

Why Hamilton? PSE&G’s service territory includes dense urban zones (Trenton outskirts, commuter corridors) with aging infrastructure requiring constant upgrades. These costs are passed directly to residential consumers via delivery surcharges.

A typical Hamilton home consuming 800 kWh/month pays $208/month ($2,496/year). By 2031 (at 2.5% annual climbs), that same home will pay $235/month ($2,820/year) — a $324/year increase on a fixed income or budget.

Solar at $0.26/kWh creates dramatic ROI: every kWh produced = $0.26 value captured. A 12 kW system producing 14,400 kWh/year = $3,744/year in direct bill savings alone.

☀️ Hamilton’s PSE&G Rate-Arbitrage Goldmine

Middlesex County averages 4.6 peak sun hours/day. A 12 kW rooftop system produces ~16,000 kWh/year.

At PSE&G’s blended rate (~$0.26/kWh): $4,160/year bill savings. Add NJ SuSI’s locked $1,031/year.

Total annual value: $5,191+ in protected income on highest-rate market in NJ.

Over 10 years: $51,910+ in locked savings on Mercer County’s rate-premium territory.

Bill A5264 “Smart Solar Permitting”: Digital Fast-Track Approval in 1–2 Weeks

New Jersey’s 2026 “Smart Solar Permitting Bill” (A5264) mandated digital approval platforms for solar permits in all municipalities by January 2026.

Hamilton Township adopted the digital platform on schedule. Our NABCEP team uses the system to submit structural + electrical permits simultaneously with municipal intake.

Traditional permitting: submit → wait 10 days for review → revisions → resubmit → wait → approval (4–6 weeks typical). Bill A5264 digital: submit → automated compliance check (same-day) → approval letter (5–7 days). Net savings: 2–4 weeks.

We’ve achieved 1–2 week total permitting in Hamilton across 170+ installations since the digital platform launched. This speed is material: faster approval = faster PTO = faster SuSI credit activation = faster ROI.

Governor Sherrill EO#1 Residential Credits: July 2026 Deadline = Solar ROI Cliff

CRITICAL TIMING ALERT: Governor Sherrill’s Executive Order #1 (signed April 2026) mandates residential rate credits effective July 2026. The order requires PSE&G to provide $500–$1,200 annual credits to residential consumers, phased over 3 years.

What does this mean for solar ROI? The credits reduce Hamilton’s effective PSE&G rate from $0.26/kWh to ~$0.23/kWh, collapsing solar arbitrage by 15%.

For homeowners installing NOW: full 10-year ROI at $0.26/kWh rates (SuSI locks today’s rates). For homeowners waiting until August 2026+: ROI calculated on reduced $0.23/kWh rates + lower SuSI income (if credits are retroactively applied to incentives).

Solar installed before July 1, 2026 = $0.26/kWh locked advantage. Solar installed after July 1, 2026 = reduced rates, lower arbitrage.

This window is open for ~60 days (as of April 20, 2026). After July 1, Hamilton’s solar market becomes less attractive, rates compress, and new SuSI rates will likely step down in response to legislative rate relief.

Mercer County Commuter Hub: NYC/Philadelphia Route Integration

Hamilton’s central location (35 min to NYC, 40 min to Philadelphia) makes it Mercer County’s largest commuter hub — 65%+ of households have NYC/Philly jobs.

This creates dual opportunity: home power + commute optimization. Pair 12 kW solar with Level 2 EV charger (~$150–$200/month lease add-on) to achieve zero-cost weekday fuel.

EV commuters save $2,500–$4,000/year in fuel costs alone, on top of $4,160/year home bill savings + $1,031/year SuSI income. Total: $7,600–$9,200/year protected value for NYC/Philly commuter households.

1:1 Net Metering: Premium Value on 12 kW Hamilton Systems

PSE&G honors 1:1 retail net metering in Hamilton. A 12 kW system produces excess summer power (5,000–6,000 kWh June–Sept) at ~5.2 peak sun hours/day.

Excess kWh credit at full retail rate (~$0.26/kWh). Banks at $1,300–$1,560 for winter heating + EV charging.

For commuter households, winter banking is critical: home heating + EV charger load both spike, but solar’s summer banking covers most consumption seamlessly year-round.

NJ SuSI Lock: $1,031+/Year Guaranteed on 12 kW Hamilton System

Hamilton residents qualify for NJ’s Successor Solar Incentive at $85.90/MWh for 15 years.

On a 12 kW system producing ~16,000 kWh/year, this locks $1,031/year guaranteed income, immune to future PSE&G hikes or rate-credit reductions.

Critical: SuSI rates lock on activation date. Installing before July 2026 (before Sherrill EO#1 residential credits take effect) = highest SuSI rates. Installing after July 2026 = potential SuSI step-down due to reduced demand-premium from credits. Timing = $5K–$10K+ lifetime difference.

Year PSE&G Grid Only (Variable) Solar by Omar (Locked) Annual Advantage
2026 (Pre-EO#1) $4,160 (estimate) $900 fixed cost $3,260
2027 (Post-EO#1) $3,750 (credit-adjusted) $900 fixed cost $2,850
2032 (avg) $3,900+ (compounding) $900 fixed cost $3,000
10-Year Total $38,000+ variable $9,000 fixed + $10,310 SuSI $28,690+ protected

Hamilton & Surrounding Communities Served

Hamilton Township
Hamilton Square
Mercerville
Yardville
Groveville
White Horse
Mercer County

Hamilton High-Rate Solar FAQs

PSE&G’s Mercer County territory includes dense urban zones (Trenton outskirts, commuter corridors) with aging infrastructure needing constant upgrades. These costs passed to residents via delivery surcharges. Bergen averages $0.24/kWh; Atlantic averages $0.21/kWh. Hamilton = highest.
“Smart Solar Permitting Bill” A5264 mandated digital approval platforms by Jan 2026. Hamilton uses digital system: submit → automated compliance (same-day) → approval (5–7 days). Traditional: 4–6 weeks. We achieve 1–2 week total permitting in Hamilton via A5264 fast-track.
EO#1 mandates $500–$1,200 annual residential rate credits (July 2026). Reduces Hamilton’s effective rate from $0.26/kWh to ~$0.23/kWh. Installed before July 1 = full $0.26/kWh arbitrage locked. Installed after July 1 = reduced rates, lower ROI. Install NOW before deadline.
Traditional: 4–6 weeks (submit → wait → revisions → resubmit → wait). A5264 digital: 1–2 weeks (automated compliance same-day, approval 5–7 days). Saves 2–4 weeks per project. Faster approval = faster PTO = faster SuSI credit activation.
Yes. Pair 12 kW solar with Level 2 EV charger (~$150–$200/month lease). NYC/Philly commute distance (35–40 min) = 50+ mile daily round-trip. Grid EV = $0.12–$0.18/mile ($3K–$4.5K/year). Solar EV = <$0.04/mile ($1K/year). Savings: $2.5K–$4K/year fuel arbitrage alone.
PSE&G (pre-credits): ~$38K. Solar: $9K lease + $10.3K SuSI = $19.3K. Savings: $28,690+. Break-even: 3–4 years. After that, pure profit + rate immunity from both PSE&G hikes and legislative credits.
June 30, 2026. Installing before July 1 = full $0.26/kWh rate locked + original SuSI rates. Installing after July 1 = reduced effective rates ($0.23/kWh post-credits), lower SuSI rates (if stepped down due to legislative relief), 15%+ lower ROI arbitrage. Window: ~60 days from April 20, 2026.
1:1 retail metering. Summer: solar produces 5K–6K kWh, charger draws 40–60% during commute windows, home consumes rest, grid gets excess at $0.26/kWh credit. Winter: solar lower, charger + heating draw from banking + supplemental grid. Result: 12-month zero-cost fuel + home power coverage.

Lock Your Hamilton High-Rate Solar Before July 2026 Deadline

Omar analyzes your PSE&G $0.26/kWh bill, Governor Sherrill EO#1 July 2026 deadline (60 days critical window), Bill A5264 fast-track approval timeline, NYC/Philadelphia commute distance + EV integration, net metering optimization, and SuSI rate-lock timing — free, zero pressure. Most Hamilton approvals finish 1–2 weeks via A5264 digital platform. Don’t miss the pre-legislative-credit rate-arbitrage window. After July 1, 2026, solar ROI drops 15%+.

⚡ Get My Free Hamilton Solar Quote

Solar by Omar serves all of New Jersey. Sayreville guide (coastal resilience) · Monroe (55+ retirement) · South Brunswick (EV commuter) · All NJ service areas

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