Financing Options for Roofing, Solar, Battery Backup, and EV Charging in Sunnyvale and the Bay Area
Home Pro Roofing and Solar offers multiple financing paths for every type of home energy project. Whether you are replacing your roof, going solar for the first time, adding battery storage, installing an EV charger, or combining all four into one project, we have a financing option that fits your goals and budget. We work with state-backed credit union programs, solar-specific lenders, prepaid PPA providers, and monthly PPA programs — all available through one point of contact. Licensed California Contractor CSLB #1050229. Call (800) 650-3134 for a free financing consultation.
Which Financing Works for Which Service
Not every financing option works for every service. Use this chart to understand which options apply to your specific project.
| Financing Option | Roofing | Solar | Battery | EV Charger | Bundled Projects |
|---|---|---|---|---|---|
| Go Green Financing State-backed loan |
✓ | ✓ | ✓ | ✓ | ✓ |
| Wheelhouse Credit Union Solar loan |
✓ | ✓ | ✓ | ✓ | ✓ |
| GoodLeap Loan Solar and home improvement loan |
✓ | ✓ | ✓ | ✓ | ✓ |
| PACE Financing Property tax repayment |
✓ | ✓ | ✓ | ✓ | ✓ |
| HDM Capital Prepaid PPA Via Solar Tech |
— | ✓ | ✓ | ✓ | ✓ |
| Participate Energy Prepaid PPA Via Solar Tech — CCA territories |
— | ✓ | ✓ | Confirm | ✓ |
| Enfin Monthly PPA Via Axia by QCells or Solar Tech |
— | ✓ | ✓ | — | Partial |
| GoodLeap PPA Monthly PPA, $0 down |
— | ✓ | ✓ | — | Partial |
| Solar Lease Via Axia or Solar Tech — less common in Bay Area |
— | ✓ | ✓ | — | Partial |
PPAs and leases are not available for standalone roofing projects. Roofing must be financed through a loan or PACE. Bundled projects that include solar qualify for PPA financing.
One important note: PPAs and leases are solar financing products. They are not available for standalone roofing projects. If you need financing for a roof replacement only, your options are Go Green Financing, Wheelhouse Credit Union, GoodLeap loan, or PACE. If your roof project also includes solar, all PPA options become available for the solar portion of the project.
Loans — Own Your System and Finance at Low Rates
Solar and home energy loans are the right choice when you want to own your system outright. Loans work for every service Home Pro offers — roofing, solar, battery backup, and EV charging — and are the only financing option available for standalone roofing projects.
Home Pro works with three loan programs and PACE financing. Each has different strengths depending on your project size, credit profile, and goals.
Go Green Home Energy Financing — State-Backed, Credit Union Rates
Go Green Home Energy Financing is a state-backed loan program administered by the California Alternative Energy and Advanced Transportation Financing Authority. Home Pro is an authorized Go Green contractor, which means you can access this program directly through your Home Pro project.
The state provides a credit enhancement to participating credit unions, which allows them to offer lower rates and longer terms than standard unsecured loans. This results in some of the most competitive energy loan rates available in California.
What Go Green covers:
- Solar installation
- Battery backup storage
- EV charger installation
- Cool roofs and roof replacement
- Bundled projects combining multiple services
- Up to 30% of the loan can cover non-energy improvements
Key terms:
- Loan amounts from $5,000 up to $75,000 for most projects
- Up to $75,000 for bundled solar and battery storage projects
- Rates from 3.58% APR depending on term, lender, and credit
- Terms up to 20 years for most projects
- No property lien — this is an unsecured loan
- Property must receive PG&E, SCE, SDG&E, or SoCalGas service — all Bay Area homeowners qualify under PG&E
- Available to homeowners and renters with written owner permission
Why Go Green stands out: The combination of state backing, no property lien, and rates starting under 4% APR makes this one of the strongest loan options available for Bay Area homeowners. Learn more about Go Green Financing.
Wheelhouse Credit Union — Solar-Specific Loans
Wheelhouse Credit Union is Home Pro's preferred credit union partner for solar and home energy loans. Wheelhouse has specialized in solar financing for decades and works directly with licensed contractors throughout California, making the loan and installation process straightforward.
What Wheelhouse covers:
- Solar installation
- Battery backup storage
- EV charger installation
- Roofing (when combined with solar)
- Bundled projects combining multiple services
Key terms:
- Loan amounts up to $80,000
- Terms from 5 to 20 years
- APRs starting at 4.74% for qualified borrowers
- 0% interest for the first 6, 12, or 18 months depending on the buy-down program selected
- Up to 90-day first payment deferral — your solar savings start before your first payment is due
- 0.25% APR discount when paired with a Wheelhouse Inspired Checking account
- No prepayment penalties
- Ability to re-amortize after principal reduction
- UCC-1 filed on equipment — not a lien on your property
Why Wheelhouse stands out: The 0% interest buy-down period of up to 18 months is a genuine differentiator. For many homeowners, solar savings cover the monthly payment before interest even kicks in. Learn more about Wheelhouse Credit Union.
GoodLeap — Solar and Home Improvement Loans
GoodLeap is one of the largest solar and home improvement lenders in the United States, with experience across thousands of California installations. GoodLeap offers both solar loans and solar PPAs, giving homeowners flexibility depending on whether they want to own or not.
What GoodLeap covers:
- Solar installation
- Battery backup storage
- EV charger installation
- Roofing
- Bundled projects combining multiple services
Key terms:
- Loan amounts up to $100,000 and beyond depending on credit profile
- Multiple term options from 5 to 25 years
- Introductory rate periods available
- Competitive rates for qualified borrowers
- UCC-1 filed on equipment
- Fast approvals and straightforward process
Why GoodLeap stands out: GoodLeap's scale and experience with solar projects means fast approval and a smooth process for large bundled projects. Their loan and PPA programs can be matched to the same project. Learn more about GoodLeap.
PACE Financing — Repaid Through Your Property Taxes
Property Assessed Clean Energy financing allows homeowners to finance home energy improvements and repay the loan through their property tax bill over time. PACE is unique because it does not require a credit check — eligibility is based on home equity and property value instead.
What PACE covers:
- Roof replacement
- Solar installation
- Battery backup storage
- EV charger installation
- Solar panel removal and reinstallation
- Energy-efficient HVAC and insulation
- Bundled projects combining multiple services
Key terms:
- Terms up to 30 years — the longest repayment period of any loan option
- No credit check — approved based on home equity
- Repaid through your property tax bill annually or semi-annually
- Property lien attached — PACE is a lien on your property, which is different from Go Green and Wheelhouse
- Transferable when the home is sold in most cases, though some lenders may require payoff at sale
Important note about PACE and home sales: Some mortgage lenders require PACE balances to be paid off at closing. If you are planning to sell your home within a few years, discuss this with your lender before choosing PACE. Go Green or Wheelhouse financing may be a cleaner option with no property lien.
Why PACE stands out: For homeowners who do not qualify for traditional credit-based loans, PACE opens the door to financing large projects without a credit check. The 30-year term also produces the lowest monthly payment of any loan option. Learn more about PACE Financing.
Important note about PACE and home sales: Some mortgage lenders require PACE balances to be paid off at closing. If you are planning to sell your home within a few years, discuss this with your lender before choosing PACE. Go Green or Wheelhouse financing may be a cleaner option with no property lien.
Why PACE stands out: For homeowners who do not qualify for traditional credit-based loans, PACE opens the door to financing large projects without a credit check. The 30-year term also produces the lowest monthly payment of any loan option. Learn more about PACE Financing.
Loan Comparison
| Feature | Go Green Financing | Wheelhouse Credit Union | GoodLeap Loan | PACE |
|---|---|---|---|---|
| Backed by | State of California / credit unions | Credit union | Private lender | Property assessment |
| Loan Amount | Up to $75,000 | Up to $80,000 | Up to $100,000+ | Varies by equity |
| Starting APR | 3.58% | 4.74% | Ask for current rates | Higher — check current rates |
| Terms | Up to 20 years | 5 to 20 years | 5 to 25 years | Up to 30 years |
| Property Lien | No lien | UCC-1 on equipment | UCC-1 on equipment | Property tax lien |
| Credit Check | Yes | Yes | Yes | No |
| 0% Intro Period | No | Up to 18 months | Options available | No |
| Payment Deferral | No | Up to 90 days | Options available | With property taxes |
| Covers Roofing | Yes (cool roofs) | Yes (with solar) | Yes | Yes |
| Home Pro Partner | Authorized partner | Preferred partner | Available through Home Pro | Available through Home Pro |
Rates shown are based on credit — OAC — and were current as of February 2026. Rates are subject to change. Contact Home Pro or the lender directly for current rates and terms before making any financing decisions.
Prepaid Solar PPAs — One Upfront Payment, 30% ITC Value Built In
The Prepaid Solar PPA is the strongest way to go solar in California in 2026. Here is why.
The 30% federal residential tax credit for homeowners who purchase solar with cash or a loan expired on December 31, 2025. Homeowners who buy their system outright in 2026 do not have access to that credit.
However, the 30% commercial Investment Tax Credit under Section 48E continues to apply to Third Party Owned solar systems — including prepaid PPAs. A Third Party Owner holds the system, claims the commercial ITC, and passes that value back to the homeowner through a lower prepaid price. The homeowner gets the full benefit of the tax credit without needing taxable income, tax paperwork, or a tax professional.
Under IRS rules, the Third Party Owner holds the system for six years. After year six, ownership transfers to you as the property owner. Throughout the full term, the installer handles all monitoring and maintenance. The experience is very similar to ownership from day one — with the 30% discount built into the price.
TPO providers must begin construction before July 2026 to secure the full commercial tax credit for systems placed in service by 2028. Homeowners who sign agreements in the first half of 2026 are in a significantly stronger position than those who wait. After 2027, the commercial credit also expires. This is a real deadline worth taking seriously. PR Newswire
Home Pro offers two prepaid PPA options through Solar Tech — HDM Capital and Participate Energy. Both deliver the 30% ITC benefit but work differently. The right one depends on your situation.
Prepaid PPAs are available for: Solar, battery backup, and EV charging. Prepaid PPAs are not available for: Standalone roofing. If your project includes roofing only, use a loan or PACE.
HDM Capital Prepaid PPA — Via Solar Tech
HDM Capital's Prepaid PPA allows California homeowners to prepay for 20 to 25 years of solar energy in a single upfront payment at a significant discount over direct ownership. By leveraging the business-claimed federal solar tax credit and commercial depreciation, HDM provides the long-term savings of solar ownership with the maintenance-free benefits of a lease. ESS News
HDM applies their commercial tax benefits and passes on savings, typically reducing the prepaid amount by 15 to 20 percent. That brings the one-time payment to roughly 70% of the cost to purchase a comparable system. Virtue Solar
How it works:
- Solar Tech designs and installs your system
- HDM Capital acts as the Third Party Owner and claims the commercial ITC
- You make one upfront payment — typically 70% of full system cost
- $0 monthly solar payments for the life of the agreement
- HDM provides a production guarantee, monitoring, insurance, and maintenance. At the end of year six, ownership transfers to you outright at no additional cost. HDM files a UCC-1 on the solar equipment, which is a lien on the panels only — not on your house.
What is included:
- Solar panels
- Battery backup storage
- EV charger installation
- All qualify under the 30% ITC — the full value is built into your prepaid price
HDM Capital works best for:
- Homeowners who have cash or can finance the upfront prepaid amount
- Households planning to stay in the home at least six years
- Homeowners who want the ITC benefit without managing tax credit paperwork
- Anyone who wants $0 monthly solar bills after day one
Learn more about the HDM Capital Prepaid PPA.
Participate Energy Prepaid PPA — Via Solar Tech
Participate Energy offers a residential solar and storage prepaid lease program — an equitable behind-the-meter solar and battery program available to participating CCA customers at no upfront cost to the homeowner. The program has no credit check, no property lien, and customers pay for the energy the system produces through an on-bill tariff. Locked-in energy rates over a 25-year agreement provide long-term reliable savings, and the program is designed to be accessible to all property owners regardless of income or credit rating.
Participate Energy works through Community Choice Aggregators. In Home Pro's primary service area, Santa Clara County is served by Silicon Valley Clean Energy and San Mateo County is served by Peninsula Clean Energy. Most homeowners in our service area qualify.
How it works:
- Solar Tech designs and installs your system
- Participate Energy acts as the Third Party Owner and claims the commercial ITC
- $0 upfront cost — no payment required at signing
- You pay for the energy your system produces through your existing utility bill
- Locked-in energy rates for 25 years protect you from PG&E rate increases
- No credit check required
- No property lien of any kind
What is included:
- Solar panels
- Battery backup storage
- ITC value built into your locked-in energy rate
Participate Energy works best for:
- Homeowners who want $0 upfront with no loan
- Homeowners who do not qualify for credit-based financing
- Anyone who wants no credit check and no lien
- CCA customers in Silicon Valley Clean Energy and Peninsula Clean Energy territories
| Feature | HDM Capital | Participate Energy |
|---|---|---|
| Upfront Cost | One-time prepaid payment (~70% of system cost) | $0 upfront |
| Monthly Payment | $0 | On-bill tariff (per kWh) |
| ITC Discount | 15-20% built into prepaid price | Built into energy rate |
| Ownership Transfer | After year 6 at no cost | Per agreement terms |
| Credit Check | Yes | No |
| Property Lien | UCC-1 on equipment only | No lien |
| Battery Included | Yes | Yes |
| EV Charger | Yes | Confirm per contract |
| Availability | Available statewide in California | CCA territories (SVCE and PCE in Home Pro's area) |
| Production Guarantee | Yes — years 1 through 6 | Yes — 25-year agreement |
| Rate Escalators | None | Locked-in rate |
| Available Through | Solar Tech via Home Pro | Solar Tech via Home Pro |
Monthly Solar PPAs — Go Solar with $0 Down
A monthly solar PPA gives you access to solar energy with no upfront cost. The Third Party Owner installs, owns, and maintains the system. You pay a monthly rate for the electricity the system produces — typically lower than your PG&E rate. Like prepaid PPAs, the system owner claims the 30% commercial ITC and passes the value through as a lower monthly rate.
Monthly PPAs are well suited for homeowners who want no upfront cost and prefer monthly payments over a lump sum. They are not available for standalone roofing projects.
Enfin PPA — Via Axia by QCells or Solar Tech
Enfin is an independent solar finance company that works with both Axia by QCells and Solar Tech. Through either partner, homeowners can access the Enfin PPA with no upfront cost, monthly payments, and full system monitoring and maintenance included.
Key terms:
- $0 upfront cost
- Monthly payments based on system energy production
- Fixed rate or small annual escalator depending on agreement
- Battery storage included in most agreements
- System monitoring and maintenance handled by the installer
- Agreement terms of 20 to 25 years
- 30% ITC value passed through as a lower monthly rate
Available through: Axia by QCells or Solar Tech via Home Pro. Learn more about the Enfin PPA.
GoodLeap PPA — $0 Down Monthly PPA
GoodLeap also offers a monthly solar PPA alongside their loan product. For homeowners who want the simplicity of a single lender handling both financing evaluation and PPA options, GoodLeap's PPA is worth considering alongside the Enfin program.
Key terms:
- $0 upfront cost
- Monthly payments based on system production
- Battery storage available
- Monitoring and maintenance included
- 20 to 25 year agreement terms
- 30% ITC value built into monthly rate
| Feature | Enfin PPA | GoodLeap PPA |
|---|---|---|
| Upfront Cost | $0 | $0 |
| Monthly Payment | Per kWh produced | Per kWh produced |
| ITC Benefit | Passed through lower monthly rate | Passed through lower monthly rate |
| System Ownership | Third Party Owner | Third Party Owner |
| Rate Escalator | Fixed or small annual escalator | Fixed or small annual escalator |
| Battery Included | Yes | Yes |
| Agreement Term | 20 to 25 years | 20 to 25 years |
| Available Through | Axia by QCells or Solar Tech via Home Pro | Home Pro |
Solar Lease — Available as an Alternative to PPA
A solar lease is similar to a monthly PPA but structured differently. With a lease you pay a fixed monthly amount for the panels themselves rather than a per-kWh rate for the electricity they produce. Solar leases are available through Axia by QCells and Solar Tech via Home Pro.
In Home Pro's service area — Sunnyvale, Palo Alto, Mountain View, San Jose, and surrounding Bay Area cities — the PPA is the more common and typically more favorable structure under PG&E's NEM 3.0 rate schedule. A Home Pro financing advisor can walk you through which option makes more sense for your specific home and energy usage.
Financing by Service — What Works for Your Project
Financing for Roofing
Standalone roof replacement is financed through loans only. PPAs and leases are solar products and do not apply to roofing alone.
Best options for roofing:
- Go Green Financing — state-backed rates, no lien, covers cool roofs
- Wheelhouse Credit Union — 0% intro periods, up to 18 months
- GoodLeap loan — fast approvals, large loan amounts
- PACE — no credit check, up to 30 years, pays through property taxes
If your roofing project also includes solar, battery, or EV charging, all PPA options become available for the solar portion of the project. Bundling is the most cost-effective approach and simplifies financing since you can cover all services under one loan or one prepaid PPA payment. Learn more about roof replacement.
Financing for Solar Installation
Solar installation qualifies for every financing option Home Pro offers — loans, prepaid PPAs, monthly PPAs, leases, and PACE.
Best options for solar in 2026:
- HDM Capital Prepaid PPA — 30% ITC discount built in, $0 monthly, ownership after year six
- Participate Energy Prepaid PPA — $0 upfront, no credit check, no lien, available to CCA customers
- Go Green Financing — state-backed loan with the lowest starting rates
- Wheelhouse Credit Union — 0% intro period, strong solar loan terms
- Enfin PPA or GoodLeap PPA — $0 down monthly options
The 30% residential ITC expired December 31, 2025 for cash and loan purchases. Homeowners who purchase solar with a loan in 2026 do not qualify for the credit. The Prepaid PPA remains the only path to accessing the ITC value in 2026. Learn more about solar installation.
Financing for Battery Backup Storage
Battery storage qualifies for all loan options and can be included in any PPA or prepaid PPA. Under California's NEM 3.0 rate structure, battery storage is essential for maximizing the value of a solar system.
Best options for battery storage:
- Bundle with a prepaid PPA — battery qualifies under the 30% ITC when included in a prepaid PPA, with the value built into the upfront price
- Go Green Financing — covers solar and battery bundled projects up to $75,000
- Wheelhouse Credit Union — strong for solar plus battery bundled loans
- PACE — covers battery when combined with other eligible improvements
Note: Battery storage installed with a cash or loan purchase no longer qualifies for the residential ITC as of 2026. Bundling into a Prepaid PPA is the only current path to the 30% ITC value on battery storage. Learn more about battery backup storage.
Financing for EV Charger Installation
EV charger installation qualifies for all loan options and can be included in a prepaid PPA when bundled with a solar project.
Best options for EV charging:
- Include in a Prepaid PPA through Solar Tech — EV charger qualifies under the 30% commercial ITC as part of the installed system, with the value built into the prepaid price
- Go Green Financing — EV chargers are eligible energy measures under the Go Green program
- Wheelhouse Credit Union — covers EV charging as part of a solar project
- PACE — covers EV charger installation
- GoodLeap loan — covers EV charger installation
The most cost-effective time to add an EV charger is during a roofing or solar project when the electrical work is already underway, eliminating a separate mobilization cost. Learn more about EV charger installation.
Financing for Solar Panel Removal and Reinstallation
Solar panel removal and reinstallation qualifies for all loan options and PACE. It is not available under a PPA since it is a service, not a new system installation.
Best options for solar removal and reinstallation:
- Go Green Financing — covers solar-related work when bundled with a reroof
- Wheelhouse Credit Union — covers solar removal and reinstallation as part of a roofing project
- PACE — covers removal and reinstallation as part of a roofing project
- GoodLeap loan — covers removal and reinstallation
Learn more about solar panel removal and reinstallation.
Financing for Bundled Projects — Roof, Solar, Battery, and EV Charger Together
Bundling your roof replacement, solar installation, battery storage, and EV charger into one project is the most cost-effective approach — and it simplifies financing significantly.
Under a single loan, all four services can be financed together under Go Green, Wheelhouse, GoodLeap, or PACE. Under a Prepaid PPA through Solar Tech, the solar, battery, and EV charger portion is covered by the prepaid amount with the 30% ITC value built in, and the roofing portion can be financed separately with a loan or PACE.
Many Bay Area homeowners combine a Prepaid PPA for the solar, battery, and EV charger component with a Go Green or Wheelhouse loan for the roofing component — getting the best of both financing structures in one project managed by one contractor.
The 30% ITC in 2026 — What Changed and What Still Applies
This is the most important financing context for Bay Area homeowners considering solar in 2026.
What expired: The 30% Residential Clean Energy Credit (Section 25D) expired for homeowners purchasing solar with cash or a loan after December 31, 2025. Homeowners buying their system outright in 2026 do not qualify.
What still applies: The 30% commercial Investment Tax Credit (Section 48E) continues to apply to Third Party Owned systems — prepaid PPAs, monthly PPAs, and leases. The Third Party Owner claims the credit and passes the value back to the homeowner through a lower prepaid price or lower monthly rate.
The deadline: TPO providers must begin construction before July 2026 to secure the full commercial credit for systems placed in service by 2028. After 2027, the commercial credit also expires. That means the window to access any form of federal solar tax incentive — even indirectly through a Prepaid PPA — closes at the end of 2027. Cronyx Digital
Homeowners who act in the first half of 2026 are in the strongest position. Waiting until late 2026 or 2027 reduces the certainty of the full credit applying.
Why Home Pro for Your Financing
Authorized and preferred partner status Home Pro is an authorized Go Green contractor and a preferred Wheelhouse Credit Union partner. This means the financing process is streamlined — you do not have to find a lender separately. We connect you directly.
Multiple options, one conversation Most contractors offer one or two financing options. Home Pro works with Go Green, Wheelhouse, GoodLeap, HDM Capital, Participate Energy, Enfin, PACE, and more. We present every option that fits your project and help you choose without pressure.
Roofing and solar under one contractor Because Home Pro handles roofing, solar, battery, and EV charging together, your financing can cover the full project under one agreement. No separate contractors, no mismatched warranties, no financing gaps.
Nearly 20 years of local experience Home Pro, formerly Butler Construction, has served homeowners in Sunnyvale, Palo Alto, Mountain View, San Jose, and across the Bay Area since 2006. We know what financing works for Bay Area homeowners and what to watch out for.
Licensed, insured, and certified CSLB #1050229. Certified by GAF and Axia by QCells. Every project is permitted and inspected.
Service Areas — Santa Clara, San Mateo, and Alameda Counties
Santa Clara County Sunnyvale, Mountain View, Los Altos, Los Altos Hills, Saratoga, Palo Alto, Cupertino, Santa Clara, San Jose
San Mateo County Menlo Park, Redwood City, San Carlos, Belmont, San Mateo
Alameda County Fremont, Newark, Union City
Frequently Asked Questions
Can I finance a roof replacement without solar? Yes. Roofing qualifies for Go Green Financing, Wheelhouse Credit Union loans, GoodLeap loans, and PACE financing. PPAs and leases are solar products and are not available for standalone roofing.
Does the 30% federal solar tax credit still apply in 2026? Not for homeowners who purchase solar with cash or a loan. The residential ITC expired December 31, 2025. However, homeowners who go solar through a Prepaid PPA still access the 30% value — the Third Party Owner claims the commercial ITC and passes that discount into the prepaid price. The commercial ITC expires after 2027 so the window is open but limited.
What is the best financing option for solar in 2026? For most Bay Area homeowners, the HDM Capital or Participate Energy Prepaid PPA through Solar Tech delivers the strongest financial outcome. You get the 30% ITC value built into the price, $0 or minimal monthly payments, and ownership after year six. For homeowners who prefer a loan, Go Green Financing offers the lowest starting rates with no property lien.
What is a prepaid PPA and how is it different from a monthly PPA? A monthly PPA has no upfront cost and charges you a monthly rate for the electricity your system produces. A prepaid PPA requires one upfront payment that covers the full agreement term — with no ongoing monthly solar charges. The prepaid structure typically delivers greater long-term savings because it eliminates monthly billing and interest.
Can I bundle my roof, solar, battery, and EV charger under one financing plan? Yes. Under a single loan through Go Green, Wheelhouse, or GoodLeap, all four services can be financed together. Under a Prepaid PPA, solar, battery, and EV charger are covered in the prepaid amount, and roofing can be financed separately through a loan — managed together by Home Pro.
What is Go Green Financing? Go Green Home Energy Financing is a state-backed loan program through California's CAEATFA. It works with participating credit unions to offer below-market rates, no property lien, and terms up to 20 years for solar, battery, EV charger, and roofing projects. Home Pro is an authorized Go Green contractor. Learn more.
What is Participate Energy and who qualifies? Participate Energy offers a prepaid solar and battery program through Community Choice Aggregators. In Home Pro's service area, most homeowners qualify through Silicon Valley Clean Energy (Santa Clara County) or Peninsula Clean Energy (San Mateo County). The program requires no upfront payment, no credit check, and no property lien. Learn more.
What is HDM Capital? HDM Capital is a Third Party Owner that offers prepaid PPAs for California homeowners. HDM claims the 30% commercial ITC, passes 15 to 20% of that value as a discount on the upfront prepaid price, and transfers ownership to the homeowner after six years at no cost. Available through Solar Tech via Home Pro. Learn more.
Is PACE financing a good option? PACE is the right choice when credit-based financing is not accessible or when you need the longest possible repayment term. The 30-year term produces the lowest monthly payment of any option. The tradeoff is a property tax lien, which some mortgage lenders require to be paid off at home sale. If you are planning to sell within a few years, discuss this with your lender first.
Can an EV charger be included in a solar financing plan? Yes. When bundled with a solar project under a Prepaid PPA through Solar Tech, an EV charger can qualify under the 30% commercial ITC with the value built into the prepaid price. EV chargers also qualify under Go Green Financing, Wheelhouse, GoodLeap, and PACE as standalone or bundled projects.
Financing Sub-Pages — Learn More
- Go Green Home Energy Financing
- Wheelhouse Credit Union Solar Loans
- GoodLeap Loan and PPA
- HDM Capital Prepaid PPA
- Participate Energy Prepaid PPA
- Enfin PPA by Axia by QCells
- PACE Financing
- Solar Lease
Related Services
- Solar Installation — Solar Tech and Axia by QCells
- Battery Backup Storage — Tesla Powerwall 3, Enphase, FranklinWH, QCells
- EV Charger Installation
- Roof Replacement
- Solar Panel Removal and Reinstallation
- Prepaid Solar PPA
- Axia by QCells
- Solar Tech
Financing Disclaimer
All financing information on this page is provided for general informational purposes only and is not a commitment to lend. Rates, terms, loan amounts, and program availability are subject to change and vary based on creditworthiness, project scope, lender requirements, and other factors. Rates shown reflect information available as of February 2026. Contact Home Pro or the applicable lender directly for current rates and terms before making any financing decisions. Home Pro Roofing and Solar is not a lender or financial advisor. Tax credit information reflects current law as understood at the time of publication and is not tax advice. Consult a qualified tax professional regarding your specific situation.
Get a Free Financing Consultation
Not sure which financing option is right for your project? Contact Home Pro Roofing and Solar for a free consultation. We will review your project goals, energy usage, credit situation, and timeline and walk you through every option available — with no pressure and no obligation.
Call (800) 650-3134 — Available 7 days a week, appointments available same week.
Serving Sunnyvale, Mountain View, Los Altos, Los Altos Hills, Saratoga, Palo Alto, Cupertino, Santa Clara, San Jose, Redwood City, San Carlos, Belmont, San Mateo, Menlo Park, Fremont, Newark, and Union City. Licensed California Contractor — CSLB #1050229.