Solar options / Homeowner guides
Solar questions worth asking before you sign.
If you’ve been turned down elsewhere, or a quote doesn’t make sense, start here. These guides cover credit questions, financing denials and the terms of a long-term solar contract.
Explore your optionsSources reviewed · An inquiry is not a financing approval.
Start with the question on your mind.
Credit, a declined application or a contract you want to compare.
Low-credit solar options
Compare payment structures, understand credit checks and start a fresh review after another company says no.
Understand your options02 / Solar guideDenied solar financing?
Find the reason for the decision, separate a loan denial from a property issue, and decide what to review next.
Plan your next step03 / Solar guidePPA, lease or solar loan
Compare ownership, payment changes, maintenance and moving before you choose a long-term agreement.
Compare the structures04 / Solar guideSolar and credit checks
Understand soft and hard inquiries, and know what you’re agreeing to before another financing application.
Ask before you applyBefore you agree
Know what you’re agreeing to.
You can buy a system or pay to use a provider-owned system. The payment, upkeep and ownership rules differ. DOE’s guide is a useful place to begin. DOE homeowner solar guide.
A lease may still need a credit check.
A lease or PPA can still involve credit screening. Your roof, utility and whether a provider serves your address also matter. Ask about the actual offer before applying.
Look at the bills you’ll actually pay.
Add the solar payment to any remaining utility charges. Then look for fees and scheduled increases. Ask what production and utility-rate assumptions went into the estimate.
Check the tax math in a 2026 quote.
The federal homeowner section 25D credit is unavailable for new property placed in service after December 31, 2025. IRS Residential Clean Energy Credit.
Talk with Iterum
Want us to take another look?
If another company said no, you’re welcome to ask Iterum for a fresh review. Tell us what you were trying to do and what stopped the conversation. An inquiry is not a financing approval.
Explore your optionsYou can start with
- Your address and electricity provider.
- Your recent utility usage and any planned changes.
- Roof age, condition and your expected time in the home.
- Your goals and the proposal or decision you want to understand.
Please leave account numbers, Social Security numbers and credit reports out of the general inquiry.