Loans and Financing

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The Borrowers Guide to Financing Solar Energy Systems: A Federal Overview

This guide provides information that can assist both lenders and consumers in financing solar energy systems, which include both solar electric (photovoltaic) and solar thermal systems. It also includes information about other ways to make solar energy systems more affordable, as well as descriptions of special mortgage programs for energy-efficient homes.
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Rural Energy for America Program (REAP) Renewable Energy & Energy Efficiency

The program provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems or to make energy efficiency improvements. Agricultural producers may also apply for new energy efficient equipment and new system loans for agricultural production and processing.
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Fannie Mae HomeStyle Energy Mortgage

The HomeStyle® Energy mortgage loan is designed to support homeowners efforts to increase energy and water efficiency and reduce utility costs as well as create home resiliency for environmental disasters or to repair damage from such disasters. Borrowers can finance energy or water efficiency or resiliency upgrades when purchasing or refinancing a home. HomeStyle Energy may be a more affordable financing solution than a subordinate lien, home equity line of credit, Property Assessed Clean Energy (PACE) loan, or unsecured loan.