☀ NEW FHA PROGRAM

Finance Solar
Into Your
Mortgage

Zero out of pocket. Solar panels financed directly into your FHA loan — no separate lien, no lease, no extra payment. Plus up to 5% down payment assistance forgiven after 90 days.

Check If You Qualify → How It Works
−80%
Electric Bill
+6.9%
Home Value
5% DPA
Forgiven in 90 Days
$0
Out of Pocket for Solar
5%
Forgivable DPA
0
Solar Liens on Title
+6.9%
Home Value Increase
How It Works

Four Steps to
Solar Homeownership

From pre-approval to powering your home — we handle everything.

01
🏠
Get Pre-Approved
Apply for your FHA mortgage as normal. We'll confirm your solar eligibility and calculate your maximum solar financing.
02
☀️
Solar Quote
Our partner Arcasa designs your solar system and provides an instant quote. Up to 20% of your purchase price can be financed.
03
💰
Finance & Close
Solar cost rolls into your FHA loan. Apply for up to 5% DPA as a forgivable 2nd mortgage. Close on your new home.
04
⚡
Power On
Arcasa installs your solar system within 120 days. Start saving up to 80% on your electric bill from day one.
The No-Lien Advantage

Solar Lease vs.
Solar Smart Mortgage

Not all solar is created equal. How you finance it changes everything.

⛔ Solar Lease / PPA
✗
Lien recorded on your property
✗
Separate monthly lease payment
✗
$0 appraised value for panels
✗
Complicates resale — buyers hesitate
✗
Subordination blocks refinancing
✗
Contract transfer required at sale
✗
Counts against your DTI ratio
VS
✅ Solar Smart Mortgage
✓
No lien — clean title from day one
✓
One payment — solar is in your mortgage
✓
+6.9% home value with owned panels
✓
Easier resale — buyers pay more
✓
Refinance freely — no subordination
✓
Nothing to transfer when selling
✓
Up to 5% DPA forgiven after 90 days
The Energy Reality

You're Paying 75% More
Than the National Average

New England electricity rates are among the highest in the nation — and climbing every year.

Massachusetts
31.51¢
31.51¢
Rhode Island
31.30¢
31.30¢
Connecticut
29.78¢
29.78¢
Maine
29.55¢
29.55¢
New Hampshire
27.41¢
27.41¢
US Average
18.05¢
18.05¢
Florida
16.20¢
16.20¢
21%
National electricity rates have climbed 21% in just 5 years. In Massachusetts, you’re paying $300–$400/month in electric bills that could be $50/month with solar.
$250+
Estimated monthly savings for a typical Massachusetts home with solar. That’s $3,000+ per year back in your pocket.
Program Details

Solar Smart Mortgage
At a Glance

🏠
Loan Type
FHA 203(b) — Purchase & Rate/Term Refinance. Primary residence only.
☀️
Max Solar Cost
Up to 20% of purchase price or appraised value, whichever is less.
📈
Max Loan Amount
FHA county limit + 20% to accommodate solar financing.
💰
Down Payment Help
3.5% or 5% forgivable 2nd mortgage. Fully forgiven after 90 days.
🌎
Eligible States
All states except AK, HI, NY, PR. Full coverage in MA, CT, RI, NH, ME, FL.
📝
Underwriting
Manual underwriting permitted. Approve/Ineligible AUS finding is acceptable.

Ready to Own Your Energy?

Stop renting your electricity. Finance solar into your mortgage, get up to 5% in down payment assistance, and start saving from day one.

Apply Now →
📞 (617) 595-2500
📧 roc@ccm.com
🌐 rochomeloans.com

Social Media Templates — Screenshot to Use

Instagram / Facebook Stories (1080×1920)
New Program

Solar Smart
Mortgage

☀️
$0 out of pocket for solar
💰
Up to 5% DPA — forgiven in 90 days
✅
No solar lien on your home
📈
Homes sell for 6.9% more
Swipe Up to Apply
NMLS #32559 | CCM NMLS #3029
31.51¢
MA Electric Rate / kWh
vs
18.05¢
National Average
75% More
−80%
Electric Bill with Solar
Stop renting your electricity.
Own your energy.
NMLS #32559 | CCM NMLS #3029

Solar Lease
vs. Solar Smart

⛔ Solar Lease

❌ Lien on your home
❌ Extra monthly payment
❌ $0 appraised value
❌ Hard to sell

✅ Solar Smart Mortgage

✅ Clean title — no lien
✅ Rolled into your mortgage
✅ +6.9% home value
✅ Up to 5% DPA
NMLS #32559 | CCM NMLS #3029
Instagram / Facebook Post (1080×1080)
ROC Group
New Program

Solar Smart
Mortgage

$0
Out of Pocket
5%
DPA Forgiven
+6.9%
Home Value
✓ Solar financed into your FHA loan
✓ No solar lien on your home
✓ Cut electric bill by up to 80%
✓ DPA forgiven after 90 days
Ivan Duarte
VP of Mortgage Lending
NMLS #32559 | CCM #3029