I / III
Sun Belt
Solar, for Texas as it is.
Chapter one of three. An installer’s field notes on financing, roofs, and the 620 rule.
I — The Promise
Zero down. One hundred percent financed.
If your credit is 620 or better and you own the roof, the panels are approved before the truck arrives.

Financing
100%
of the system financed. $0 down, no lien on the house, and we handle the lender paperwork.
II / III
II. The Ledger.
What the math looks like on a Texas power bill after the meter runs backward.
620
A 620 opens the door.
Minimum qualifying score
No perfect credit required. Residential approvals run same-day — new builds and existing homes both qualify — and we handle the lender paperwork.
Two columns. One decision.
Most Texas homes we quote finance the system for less than their current CPS or Oncor bill.
Before · the utility
$340
per month, every month, forever
- Electric bill
- $340
- Loan payment
- —
- Rate escalation
- yours to absorb
After · the loan
$180
loan payment, plus $0 to the utility
- Electric bill
- $0
- Loan payment
- $180
- Down payment
- $0
Illustrative figures from a 14.4 kW West Texas install. Your number depends on usage, roof pitch, shading and the lender’s term.
Three honest catches.
- Your roof needs 8+ years left.We will tell you to re-shingle first.
- Heavy shade cuts output.Pecans and oaks change the math.
- You must own the home.Rentals and leases do not qualify.
That’s the list.

“They handled the loan. I signed once.”

$340 became $58.
14.4 kW system, 36 panels, installed in two days. Financed at 620+ with zero down.
- Bill before
- $340
- Bill after
- $58
III / III
III. The Call.
Fifteen minutes on the phone. A same-day quote. No obligation, no salesman on the porch.
Call, or leave your number.
We answer during Texas business hours and return every callback the same day.
Call(210) 555-0142Mon–Sat, 8am–7pm CT · the line is answered around the clock
Residential installs across Texas
Callback slip
SD Solar — Licensed Texas installer
Book thesite visit.
Booking is a phone call and a roof. There is no deposit and no obligation at any point in the three steps below.
Book a site visitor call (210) 555-0142 — someone picks up around the clock.
- 01
Fifteen minutes on the phone
We ask two things: what you pay the utility now, and roughly how old the roof is. - 02
We read the roof
A satellite pull first, then a site visit for pitch, shading and the age of the decking. - 03
A same-day quote
One page — system size, monthly payment, and the short list of what the lender needs from you.
Voices
Two days on the roof, and the inspector signed it off that Friday.
I asked about the catch four times. They kept giving me the same answer.
Every quote here is a homeowner we installed for. Marisol’s is above, in chapter two.
Field notes
We write up what we learn on the roof — how lenders read a 620, when a re-shingle has to come first, how to read your own bill.
Read the field notes

