AMMON HANNEMANN - Your Advocate for AHA + HOPER
REFINANCE
Refinance works the same
We can do a rate a term refinance. We Add Solar to the loan amount and they qualify for 3.5% up to $13,000
Cheaper Mortgage
$13,000 earned income (can use to pay off previous DPA)
Tax Benefits $4K-$9K
Electric Savings from Owned Solar
Increase Value to Home with Solar
How Borrowers Have Used the Funds
Buy Down Rate
Pay Off Debts
Pay of DPA's
Put into Savings Account
Remodel Bathroom
ext.
SCENARIO COMPARISON
400,000 Purchase price going from a 6.75% Interest rate to %6
CURRENT LOAN
(DO NOTHING)
Monthly Mortgage
Electric Bill
$2600
$300
Total Monthly $2900
Year 1 Benefits
Earned Income
Est. Tax Savings
Home Value Increase
Electric Savings
$0
$0
$0
$0
Year 1 Cash: $0
Year 1 Total Value: $0
Regular FHA
Best if: You prefer traditional financing.
REFINANCE AND KEEP HOPER SAVINGS
Monthly Mortgage
Electric Bill
$2490
$100
Total Monthly $2590
Year 1 Benefits
Earned Income
Est. Tax Savings
Home Value Increase
Electric Savings
$13,000
$5,000
$12,000
$2,400
Year 1 Cash: $18,000
Year 1 Total Value $32,400
HOPER + Savings
Best if: You want maximum upfront cash to invest, build emergency funds, or pay down other debt. Ideal for those who want to maximize liquid savings and long-term wealth building.
Get your Own Refi Proposal
Put Borrowers Information to get them started on path to Home Ownership
Copyright 2026. . All Rights Reserved.