Arcasa’s Energy-Integrated Mortgages empower borrowers to seamlessly include solar and home energy improvements into their mortgage. These improvements unlock eligibility for down payment assistance (DPA) and cash-to-close coverage through Arcasa, making homeownership more attainable and affordable.

Unlike traditional mortgages that only finance the home purchase, Arcasa incorporates energy improvements into the financing. This provides eligibility for borrowers to access funds which can be applied to reduce or entirely cover their down payment and closing costs.

From the moment the energy improvements are activated after closing, borrowers benefit from lower electricity bills, generating long term savings month-over-month through solar power.

Traditional mortgages do not cover energy improvements. Arcasa’s solution ensures borrowers can finance both their home and energy upgrades with a single, simplified payment.

If borrowers were already interested in energy improvements, they can avoid third-party financing options, like loans or leases, that add extra monthly payments on top of their mortgage. Arcasa consolidates everything into one monthly payment, streamlining the financial process.

By bundling solar and energy upgrades into the mortgage, borrowers can access lower interest rates through discounts points. Additionally, mortgage rates are typically lower compared to traditional third-party solar financing, making energy investments more cost-effective.

Borrowers experience reduced utility bills and, depending on loan structure, may secure lower mortgage interest rates. Borrowers can also be eligible for additional savings. Subject to availability, certain utility companies and local governments provide rebates and other financial incentives for purchasing solar and home energy upgrades

Over time, borrowers enjoy significant savings and increased financial security by keeping more money in their pockets.

An energy-integrated mortgage amount includes energy upgrade costs, tailored to optimize borrower affordability and long-term financial benefits.

Arcasa’s streamlined approach ensures loan officers can integrate energy costs without additional complexity or delays to closing day, improving efficiency in mortgage processing.

Arcasa handles the post-close installation of the solar system and energy upgrades. So borrowers can focus on enjoying homeownership.

Arcasa’s Energy-Integrated Mortgages provides multiple financial benefits to borrowers through a single mortgage experience. These mortgages simplifies financing, lowers long-term costs, and empowers borrowers to enjoy attainable and affordable homeownership.