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Finance Vendor Details

SMUD's Residential Secured Loan (Windows or Solar Domestic Hot Water)
Lender: Sacramental Municipal Utility District (SMUD)
Contact Information
Property Types
Program Description
SMUD offers secured loans for qualified SMUD ratepayers who install energy efficient windows and/or a solar domestic hot water heater in their home. Products must meet SMUD's minimum efficiency standards to be eligible for financing.
Verified by Lender on: 8/5/2015 0
The data provided is for informational purposes only. For actual loan terms specific to borrowers, contact the lender directly.
Types of Financing
Financing & Payment Information
Term (years):
Minimum Amount:
Maximum Amount:
Money Down Required:
Repayment Method:
Off-bill loan (Direct to Lender)
Payment Frequency:
Pre-Payment Penalty:
Allowable Projects
Funds Energy Efficiency projects
Funds Water Efficiency projects
Funds other energy projects
Other Program Requirements
Must be program-approved
Financing Approval Time
Within 24 hours
Equity in Property Needed

Financial Products

Lien type Loan with UCC-1 lien
Re-Payment Method Off-bill loan (Direct to Lender)
Property Types
Automatic payment option available Yes
Requires utility incentive program participation Yes
Must use Program's pre-approved contractors Yes
One-time fees (% of total financing)
One-time fees (fixed)
Ongoing fees
Financing Amount $1 - $30,000
Financing Term (yrs.) 10 year(s)
Rate 6.99 - 6.99%
Money Down Required? No
Credit Enhancement Available No
Transferrable No
Prepayment Penalty or Fee No
Tax Deductibility No
Minimum Credit Score Required
Equity in Property Required No
Debt to Income Ratio Required Yes
Involuntary Property Liens Allowed No
Foreclosures Allowed
Bankruptcies Allowed
Mortgage Lender Consent/ Acknowledgement No
Must be current on property taxes Yes
Must be current on mortgage Yes
Loan to value
Debt Service Coverage Ratio No
Financing Approval Time Within 24 hours
Projected Energy Savings/Cash Flow is considered No
Must be current on utility bill Yes

Upgrades Covered

No Results


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