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      910 East 6600 South
      Salt Lake City, UT 84121

      888-643-2133

      NMLS #190465

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      5600 Wyoming Boulevard NE, Suite 20
      Albuquerque, NM 87109

      800-658-9371

      NMLS #1199978

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SOLAR-INTEGRATED MORTGAGES FROM INTERCAP

THE SMARTER WAY TO BUY YOUR HOME

Unlock savings. Eliminate second liens. Simplify solar.

Welcome to SunStart—Intercap’s innovative mortgage solution that integrates solar power directly into your home loan.

Why Choose a Solar-Integrated Mortgage?

One Payment. Zero Hassle.

No second mortgage. No leases. No additional liens.
Our solar solutions are fully integrated into your home loan—making budgeting easier and homeownership smoother.

Lower Utility Bills + Mortgage Perks

Reduce your monthly power bill while unlocking options including:

  • Interest rate buy-downs
  • Covered closing costs
  • Down payment assistance (DPA)
  • Utility savings from day one

Future-Proof Your Home

All systems are designed for expansion—add panels, batteries, or upgrades later. If your home already has solar, we can integrate and enhance what’s there.

Built-In Benefits

✅ No door-to-door solar sales
✅ No hidden dealer fees
✅ Product + Workmanship + Lifetime Warranties
✅ Works on townhomes**

*Consult your tax advisor. Additional fees may apply on select properties.
**Townhomes with HOA’s require approval from homeowner’s association

HOW IT WORKS

  • Step 1

    Apply for a Solar-Enabled Loan

    No overlays

    CLTVs up to 120%

    FICO scores as low as 580

  • Step 2

    Get Pre-Approved with Power

    Competitive Rates

    Zero Down Loan Options

    Increase Your Buying Power

  • Step 3

    Install After Close

    No Delays to Closing

    Nationwide Network of Vetted Solar Installers

    Install Begins After You Move in

Designed for Borrowers. Built for Realtors.

Intercap’s solar mortgage programs make your offers stronger, your closings smoother, and your buyers happier. It’s a win-win-win.

Ready to Power Your Home Smarter?

Whether you’re buying your first home or refinancing to save, Intercap’s solar-integrated mortgage solutions give you more options, more savings, and more control.

👉 Get Prequalified Now
👉 Schedule a Call with a Loan Expert
👉 Download the Program Overview

Get Started Today!

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Frequently Asked Questions

Is there another lien on my home?

No. The system is integrated into your mortgage with no separate lien or payment.

Will my power bill disappear?

Not completely—but it will drop significantly in most cases.

Can I upgrade later?

Yes! You can expand the system or add batteries anytime.

*Not a commitment to lend. All loans subject to underwriting approval. Terms and conditions apply.

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All loans are subject to credit and underwriting approval. Not all applicants will qualify. We may share customer information with our trusted business partners to assist you with your loan or other mortgage needs. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System & Directory (NMLS) for more information. https://nmlsconsumeraccess.org/

Agency Approvals: FNMA – #171430002 / FHLMC – #124731 / FHA – #3213309992 / GNMA #2454 / VA 955023-00-00

© 2024 All rights reserved. Intercap Lending Inc.
910 East 6600 South, Salt Lake City, UT 84121 | NMLS# 190465
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Buy Down Calculator
This calculator is being provided for educational purposes only. The results are estimates that are based on information you provide and may not reflect available product terms from Intercap Lending Inc. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. The information provided cannot be used to determine eligibility for a specific product or service and is not a commitment to lend.
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