AMMON HANNEMANN - Your Advocate for AHA + HOPER
WHY SOLAR
THE PROBLEM
Eletric Rates Bump
Electric Rates Climbing
Electricity prices in the U.S. have climbed nearly 3% annually for the past 25 years, often making electricity the homeowners' second-largest expense after their mortgage.
BENEFITS FROM THE SOLAR
NOT TRADITIONAL SOLAR
-No UCC Filing
- No 2nd Lien
- No inflated system cost
-Financed inside FHA loan
- FULLY OWNED
TAX BENEFITS
Borrowers get around $5K-$9K in tax benefits for producing their own energy
ELECTRIC SAVINGS
Borrowers save between $150-$350 on their monthly electric bill
WHY SOLAR
SCENARIO COMPARISON
REGULAR FHA
Monthly Mortgage
Electric Bill
$2300
$300
Total Monthly $2600
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.
SWT + HOPER
Monthly Mortgage
Electric Bill
$2498
$100
Total Monthly $2598
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.
FHA SWT POLICY INFORMATION
FHA SWT program
Solar Policy Guidelines
Tips For Solar Policy
QUICK REFERENCE GUIDE
SWT
H4H Green Plus
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