💸 How Combining Solar and Mortgage Can Unlock Major Tax Incentives

If you're buying a home and considering solar panels (or already have them), here's something you really need to know: the way you finance your solar can impact your ability to claim valuable tax incentives.

We're talking real money back in your pocket—but only if things are set up the right way. Let’s break it down.

☀️ First, What Are the Solar Tax Incentives?

The big one is the Federal Solar Investment Tax Credit (ITC). In 2025, it allows you to claim 30% of the cost of your solar system as a tax credit. So if your system costs $20,000, you could get $6,000 back on your taxes. Pretty sweet, right?

But here’s the catch...

⚠️ You Must Own the Solar System to Qualify

That means:

• If you lease your solar panels — you don’t get the credit.

• If your builder owns the panels — still no credit.

• If the panels are wrapped into some weird third-party solar loan — you might miss out.

So how do you make sure you qualify?
➡️ You buy the solar panels yourself and
➡️ You finance them the right way.

🏠 The Power of Combining Solar + Mortgage

This is where Lowtility steps in.

We help you bundle your solar system into your home mortgage, so you:

• Own the panels

• Boost your home value

• Stay eligible for tax incentives

• And make one simple monthly payment

This is called a solar-integrated mortgage, and it’s changing the game.

💡 Real-World Example

Let’s say you’re buying a home for $400,000 and want to add a $20,000 solar system.
Traditional route = $400K mortgage + separate $200/month solar loan
Lowtility route = $420K mortgage with solar built in

With the Lowtility route:

• You own the panels

• You get the 30% tax credit = $6,000

• You avoid extra loan fees and monthly headaches

• You potentially save more over time on both interest and electricity

✅ Quick Recap: Why This Matters

• ✔️ You must own the solar system to claim the tax credit

• ✔️ Rolling solar into your mortgage can simplify your finances

• ✔️ Lowtility helps you structure the deal right—from Day 1

• ✔️ You save money on taxes and utilities

🔍 Want to Learn More?

We’ll help you understand your solar + mortgage options and see if a Lowtility loan is right for you. Let’s find the smartest way to own your energy.

👉 GET A FREE QUOTE TODAY or schedule a free call to explore your options.