Question 1

Should I lease or buy solar in Texas in 2026?

Accepted Answer

Buy — with cash or a solar loan — if you can qualify. Owning means the system and its savings are yours, the payment ends when the loan is paid off, there’s no yearly price increase, and selling your home is simpler. A lease or PPA is a 20–25-year contract: the company owns the panels, prices often rise about 3% a year, and you never own the system.

Question 2

Why is owning solar better than a lease or PPA?

Accepted Answer

Five reasons: (1) you own the equipment and every dollar it saves; (2) a loan payment ends — a lease or PPA bill runs 20–25 years; (3) no yearly escalator, which commonly adds about 3% a year; (4) selling your home is simpler, because a buyer doesn’t have to qualify for and take over a contract; (5) you control the system — the battery settings, the monitoring and which electricity plan you pick.

Question 3

How do solar loans work?

Accepted Answer

A solar loan pays for the system and you own it from day one. You make fixed monthly payments for a set term — commonly 10 to 25 years — and once it’s paid off, the power your panels make is yours. Compare the APR, the term, the monthly payment and any dealer fee built into the price, and ask about prepayment penalties.

Question 4

Do you offer solar leases or PPAs?

Accepted Answer

No. We help DFW homeowners buy solar panels and batteries they own — with cash or a solar loan — because owning usually delivers the most value over the life of the system. If you’ve been offered a lease or PPA, we’ll gladly compare it with an ownership option at your free in-home review.

Question 5

What is a solar PPA?

Accepted Answer

A power purchase agreement (PPA) means a company owns the panels on your roof and sells you their power per kWh, usually for 20–25 years and often with a yearly price increase. A lease is similar, but you pay a fixed monthly amount. Either way, you never own the system — which is why we only sell systems homeowners own.

Question 6

What is a solar escalator clause?

Accepted Answer

An escalator raises a lease payment or PPA rate by a set percentage every year — often about 3%. Over 20 years that compounds: a $100 payment becomes about $175. Owning with a fixed-rate loan avoids escalators entirely.

Question 7

Can I get solar with no money down?

Accepted Answer

Yes — many solar loans need little or nothing down, subject to credit approval. Unlike a lease or PPA, a $0-down loan still makes you the owner, and the payment ends when the loan is paid off. Compare the APR, term and any dealer fee, and never sign the same day if you feel rushed — Texas gives you five business days to cancel.

Question 8

What credit score do I need for solar financing?

Accepted Answer

It depends on the lender; many solar loans look for fair-to-good credit. A pre-qualification with a soft credit check can usually show your options without hurting your score. Ask how the rate and fees change at your credit tier before you commit.

Question 9

Do solar loans have hidden fees?

Accepted Answer

Some solar loans include a "dealer fee" built into the loan amount in exchange for a lower advertised interest rate. That makes the cash price and the financed price different. Ask for both prices in writing and the federal Truth-in-Lending disclosure, which Texas’ solar disclosure form asks about.

Question 10

Who maintains a solar system I own?

Accepted Answer

Solar needs little upkeep — mostly keeping an eye on the monitoring app and a quick check after big hail. Panels typically carry 25-year warranties, batteries like Powerwall 3 carry a 10-year warranty, and your installer provides a workmanship warranty and service. Ask who you call when something goes wrong and how fast they respond.

Paying for Solar: Cash, Solar Loans & Why Owning Wins