Go Green, Save Green!
A Solar Panel Loan from Tulare Federal is an affordable way to make your home more energy efficient.

Adding solar panels to your home can help you reap substantial savings from both lower energy bills and tax credits. Replacing your current energy system with solar panels could:

    Save you up to 70% on your monthly utility bill
    Increase your home value
    Give you greater control over your home expenses
    One-time reamorization option
    Provide tax credits up to 30% of the cost of some energy-efficient improvements, including solar panels, through 2016 for existing primary homes.
    NO payments for up to 90 days!

* Please consult your tax advisor about your particular situation. Rates and terms are subject to change.


Signature Solar Loan

Pay no upfront fees and skip the hassle of mortgage documents or recording with a Signature Loan. Borrow up to $50,000 with no property valuation needed.
Amount Financed Interest Rate* Term
$0 - $10,000 6.50% up to 84 mos
$10,001 - $30,000 7.50% up to 120 mos
$30,001 - $50,000 8.50% up to 180 mos


Secured Solar Loan

Enjoy a low, fixed interest rate with a variety of rate and term options. The interest rate is tax deductible* and there is no minimum or maximum loan amount.

Primary Residence: Loan to Value up to 90%
Amount Financed Interest Rate* Term
$,5000 - $25,0000 3.99% up to 120 mos
$25,001 - $45,000 4.25% up to 180 mos
$45,001 - $150,000 4.50% up to 240 mos
Primary Residence: Loan to Value up to 91% - 105%
Amount Financed Interest Rate* Term
$,5000 - $25,0000 4.25% up to 120 mos
$25,001 - $45,000 4.50% up to 180 mos
$45,001 - $150,000 4.99% up to 240 mos

Non-Owner Occupied: Loan value up to 80%
Amount Financed Interest Rate* Term
$,5000 - $25,0000 4.50% up to 120 mos
$25,001 - $45,000 4.75% up to 180 mos
$45,001 - $150,000 5.25% up to 240 mos

Non-Owner Occupied: Loan value 81% - 90%
Amount Financed Interest Rate* Term
$,5000 - $25,0000 4.75% up to 120 mos
$25,001 - $45,000 4.99% up to 180 mos
$45,001 - $150,000 5.75% up to 240 mos

*All Interest Rates: Add .13% for FICO v2 scores below 680


Loan Policies:
• Fees due upon Approval of $189
• No appraisal required
• 90-Day first payment available
• Minimum time on job is two (2) years
• Maximum debt ratio is 47%
• Minimum gross monthly income is $2,500
• Need copy of original contract for solar panel purchase
• One-time reamortization feature must be utilized in the calendar year following the year in which the panels were installed. Reamortization is formalized using a Modification Agreement document and must be negotiated by an MLO