Nearly every East County resale has panels on the roof. Handled wrong, solar delays or kills escrows. Handled right, it's a non-event.
Owned panels (cash or paid-off loan) simply add value - no complications. Financed panels often carry a UCC filing that must be addressed in escrow. Leased panels and PPAs must be assumed by the buyer or bought out by the seller - the solar company has its own approval process with its own timeline, and the monthly payment can count in the buyer's debt-to-income ratio. In Brentwood, Antioch and Oakley this comes up on most transactions, and the difference between a smooth close and a blown one is whether the lender starts the solar transfer in week one or discovers it in week four.
We also offer solar-related financing options - including programs and grants for adding or dealing with solar as part of your purchase or refinance. Every situation is different, so book a free consult or text me the address and I'll tell you exactly how the panels on that roof affect your loan.
Every real program serving Contra Costa County - CalHFA, WISH, AHOP, Smart Start and more - and how they stack.
First-time buyer grant program toward your down payment for buyers under county income limits.
15% down with no monthly mortgage insurance for qualifying buyers.