Financing
There's no single right way to fund a solar project. We lay every option next to your actual utility bill, show the math, and let you choose the one that wins.
Each one changes your monthly payment, your total cost, and who owns the system.
Most common
Keep your cash and let the monthly payment take the place of part of your utility bill. Terms and rates come from the lender based on credit — we'll show you the actual numbers side by side with what you pay the utility today.
Best if you want to own the system without writing a check up front.
Lowest lifetime cost
No lender fees, no interest, no dealer fee baked into the price. It's the shortest path to the lowest total cost per kilowatt-hour, and it keeps the whole project on one invoice.
Best if you have the funds available and want maximum long-term return.
Homeowner equity
Using equity often prices better than a dealer-fee solar loan. You handle the borrowing through your own bank or credit union; we simply provide the itemized proposal they'll ask for.
Best if you already have equity and a good relationship with a lender.
No ownership
A third party owns the system and you pay for the power or the equipment monthly. Lower barrier to entry, but you don't claim incentives and it can complicate a future home sale. We'll say plainly when this is — and isn't — the right call.
Best if you want zero ownership responsibility and a predictable monthly rate.
One payment
A lease funded by a loan: the loan prepays the lease up front, so you get the low monthly payment of a lease with ownership-style benefits instead of a straight third-party rental. We'll show the payment next to a standard loan and a standard lease so the difference is obvious.
Best if you want a lease-level payment without giving up ownership-style upside.
Bundle
If the roof has fewer than about ten good years left, replacing it before panels go on avoids paying twice to remove and reset an array later. Packaging the two can consolidate the work into one financed project.
Best if your roof is aging and solar is on the near-term list.
Resilience
Backup power can usually be folded into the same financing as the solar project instead of being handled as a separate purchase later — one approval, one install window, one contractor.
Best if outages are a driver, not just the bill.
There is no federal solar tax credit to count on anymore, so the biggest levers left are the dealer fee baked into the price and the interest you pay over the term. Cash removes both outright, and a prepaid lease can land a lower payment than a conventional loan on the same system.
Some solar loans are structured with a lower intro payment that steps up unless a lump sum is applied inside a set window. We flag that structure clearly on any proposal so it's never a surprise in month 19.
A longer term lowers the monthly and raises the total interest; a shorter term does the reverse. We run both so you're choosing, not being steered.
Florida exempts qualifying residential renewable energy equipment from added property tax assessment, and solar equipment purchases are sales-tax exempt under state law.
Two minutes of context on your bill, roof, and goals.
Equipment, price, and every assumption written down.
Cash, loan, equity, lease, and prepaid lease compared on the same page.
No evening pressure pitch, no same-day-only discount.
Origin is a licensed contractor, not a lender, tax advisor, or financial advisor. Financing is provided by third-party lenders and lease providers, and approval, rates, terms, and fees are set by them based on credit. We do not quote or rely on a federal solar tax credit. Any remaining state or utility incentive depends on your individual situation and current law — confirm with a qualified professional before relying on it.
Start here
Tell us about the property and we'll tell you whether solar, a roof, storage, or a generator should come first — then attach your answers to the consultation.
Question 1 of 5
Pick one — the next questions match it.
