What you actually want to know, answered straight

No. When you finance, the funder secures only the solar equipment —the panels and the battery— with a document called a UCC-1. It’s a notice that the equipment has financing behind it, not a mortgage or a lien on your home or on your property title. Your house stays yours, with no new claims from us.

The UCC-1 is simply the legal notice that the solar equipment is financed, much like the one that exists when you finance a car. It can appear in a public record to make clear the panels have financing behind them, but it’s tied to the equipment, not to your home’s title. Once you finish paying, that notice is released.

It doesn’t touch your mortgage: the equipment financing is separate from your home loan. Because the notice is on the equipment and not on the property, your mortgage stays the same. If your bank ever asks about the system when you refinance or sell, it’s a routine step and we help you with whatever document they request.

You can sell. There are usually two paths: you pay off the remaining balance at closing —the most common route—, or, if the financing allows it and the buyer qualifies, they take over the system and continue the payments. In either case the equipment notice is handled as part of the closing and gets released; we walk you through it so the transfer is clear and free of surprises.

You can refinance. Because the notice is on the solar equipment and not on your property, it doesn’t block your refinance. Sometimes the new lender asks for a simple document confirming that only the equipment is pledged; it’s a normal step and we help you handle it.

It depends on how you pay. If you buy it outright, the system is yours from day one. Within our financing program there are options where the system is yours as you pay it off, and options where you pay for the energy it produces instead of for the equipment. Before you sign anything, we explain clearly which one applies to you.

To show you your options we use a soft inquiry where applicable, which doesn’t affect your credit score. A hard check only happens later, if you decide to move forward with a specific financing, and always with your authorization. We never pull your credit behind your back.

The equipment is already installed on your roof and isn’t going anywhere; no one comes to take your panels because a funder changes. Your terms are set by contract and are honored even if the loan is transferred to another entity, which is common in any financing. And the equipment and production warranties don’t depend on that financier.

Yes. If you pay for the system in cash, there’s no financing and no UCC-1 notice at all: the system is fully yours from the start. Financing exists so you don’t have to pay everything up front, but the cash option is always on the table. Your final price is confirmed once we validate your roof and your real usage, before you sign anything.

No. You stay connected to LUMA’s grid, and that works in your favor: during the day your panels power your home and the surplus is credited to your account; at night or on cloudy days you draw from the grid using those credits. It’s called net metering, and it’s what lets you take advantage of the sun without needing a battery for everything. You’re still a LUMA customer, but you stop paying for the energy you now produce yourself.

Let’s be honest: no. Solar eliminates the cost of your energy consumption, which is the biggest part of your bill, but LUMA keeps certain fixed monthly charges (the meter and other system charges) that keep coming even if you produce all your own energy. Anyone promising you "$0 forever" is selling you a fantasy. What we do achieve is that you stop paying for consumption and take control of the part that hurts the most.

It’s the arrangement that turns your roof into an energy savings account. When your panels produce more than your home uses during the day, that surplus goes to the grid and gets credited to you; when you need more than you produce, you use those credits instead of paying. In practice, the midday sun pays for your nighttime energy. It’s the piece that makes solar really pay off, without having to store every watt in a battery.

Net metering is protected by law in Puerto Rico (Act 10-2024). Whoever connects today keeps their terms for 20 years, and that protection holds at least until 2030 while the program is reviewed. We don’t say "forever" because no law is, but connecting today locks in today’s rules for two decades: that’s your certainty, in writing, independent of whatever gets decided later.

It isn’t lost: it goes to the grid and is credited to you to use when your panels aren’t producing, such as at night. That way a sunny day covers your hours without sun. The credits are handled within your billing cycle with LUMA under net metering rules; it isn’t cash deposited to you, but energy kept in your favor. That’s why we size your system for your real consumption, not to give production away to the grid.

It depends on what you’re after. With panels and net metering alone you already stop paying for your consumption and use the grid as backup day and night. A battery is what gives you independence when the power goes out: it keeps your home running during an outage, something that’s worth its weight in gold in Puerto Rico. Many customers start with what their consumption and budget call for, and we help you decide with real numbers, not pressure.

If your system includes a battery, your home stays powered when the rest of the neighborhood is in the dark: fridge, fans, lights and the essentials keep going, without depending on a generator or gasoline. It’s about self-sufficiency, about not being at the mercy of the next blackout. With panels only and no battery, the system shuts off during an outage for safety reasons, which is why we talk through what level of backup makes sense for your home.

Because you’re still connected to the grid, and that connection has a fixed cost: the meter charge and other monthly charges LUMA bills everyone, solar or not. On top of that, in months with less sun or higher usage you may draw some power from the grid beyond your credits, and that shows up on the bill. What changes is the size: you stop paying the bulk of your consumption and your bill goes from a headache to a small, predictable charge. That’s why we show you the estimate before you sign anything, so you know exactly what to expect.

It depends on your usage, your roof and the equipment you need — no two homes are alike, so be wary of anyone who throws out a number without seeing your bill. That’s why the estimator starts from your LUMA bill and gives you a "from" price in under a minute. That number gives you the real ballpark; the exact price is confirmed once we validate your roof and your usage, before you sign anything.

It’s an honest "from" estimate based on your bill — not a contract. The final price is confirmed once we validate your actual roof and your actual usage, and always before you sign anything. If anything changes the number, we tell you straight; no surprises later.

With our financing program you usually start with $0 down — you don’t need savings set aside to begin. Your first real cost is the monthly payment, which we aim to keep at or below what you pay LUMA today for your usage. The exact terms are confirmed with you before you sign.

It covers the complete system installed and running: the panels, the battery, the inverter, installation, permits and interconnection with LUMA. It also includes the contract-guaranteed production and the manufacturer warranties on the equipment. Equipment brands may vary by availability, but what we promise you in the contract is what you get.

No. The price we confirm before you sign is what you pay — no last-minute charges. The only thing that doesn’t go away are LUMA’s fixed meter charges, and we tell you that up front because it’s not up to us. If validating your roof turns up something that changes the number, we discuss it beforehand, never after.

It’s a federal incentive (the Clean Electricity Investment Credit, Section 48E) claimed by the system owner within our program, not by you as an individual. The good news: that benefit is already reflected in the price and payment we show you, so you don’t file forms or wait for an IRS check. The direct-purchase credit for individuals (25D) expired on December 31, 2025; if you buy in cash, check with your tax advisor about what applies to your situation.

Yes, paying in cash is an option, and you own the system from day one, with no monthly payment and no lien of any kind. The cash price is confirmed the same way: we validate your roof and your usage before you put down a cent. Because the incentives that apply to a cash purchase are different, it’s worth confirming them with your tax advisor.

Yes. In Puerto Rico we install on concrete slab, metal or zinc roofs, and other materials, and each has its own proven mounting method. Before you sign, we validate your roof in person: material, condition, and sun orientation. If something doesn’t fit, we tell you straight before moving forward, not after.

On concrete slab, every anchor point is sealed and waterproofed following the manufacturer’s method, so the roof stays protected; on metal we use fasteners designed for that material. It’s all permitted and up to code, not improvised. The goal is a roof left as watertight as it was before we arrived.

If a leak appears at a spot we worked on, our workmanship warranty covers it and we fix it, at no cost to you. That’s why every anchor is sealed and inspected when the job is done. We’re local: you won’t be chasing anyone off-island to make it right.

It depends on the condition, which is exactly why we inspect it before you sign. If the roof needs work, we tell you so you can handle it first; we won’t put panels on a roof that can’t hold them for the next 25 years. It’s cheaper to deal with the roof now than to move an entire system later.

High-efficiency monocrystalline panels and a backup battery from a recognized brand, each with a solid factory warranty. The exact model is written into your proposal and your contract, not just spoken. The equipment catalog updates over time, but we only install what meets our warranty and performance standards.

Panels are built to produce for 25 years or more, with a factory warranty covering much of that span. The battery carries its own warranty in years and charge cycles, named in your contract. This is equipment engineered for the long haul, not to last only as long as a sales pitch.

You get three layers of protection: each piece of equipment’s factory warranty, honored by the manufacturer itself; our own workmanship warranty on the installation; and your production guaranteed by contract, with the guarantor named in the document and its terms in writing, not buried in fine print. If the system produces less than guaranteed, you know exactly who to claim from and how. And because we’re from Puerto Rico, we back our installation and help you handle any factory claim.

The system is engineered and permitted for Puerto Rico’s wind loads, with anchors certified for that force; it isn’t installed by eye. No roof is indestructible in a Category 5, and anyone who swears otherwise isn’t being straight with you. What we do give you is a system mounted to code, inspected, and insurable.

Very little. The rain here rinses the panels almost on its own, and there are no parts to keep swapping out. Your production is tracked from an app, and we watch it too: if output drops, we catch it and address it. You enjoy the energy; we handle the rest.

It depends on your municipality and on LUMA, not on us. In general, from signing to switch-on it usually takes 6 to 12 weeks: part of it is design and permits, and part is waiting on the interconnection with LUMA. We keep you posted at every stage on where your case stands, so you always know exactly where things are.

We do. You don’t have to set foot in any office or deal with the municipality or LUMA. We pull the municipal construction permit and file the interconnection with LUMA in your name; you only sign what the law requires the owner to sign.

It doesn’t block you. It’s more common than you’d think in Puerto Rico, especially with family homes and inheritances. All we need is to coordinate the permit with whoever holds title, because the law requires their authorization to install. We flag it early if an extra step is needed and help you sort it out without losing your place in line.

The cadastre number is how the CRIM identifies your property for tax purposes. We use it to locate the correct property and see whose name it’s registered under, because the permit and installation have to be in the right name. It’s not to charge you anything or get you in trouble with the CRIM: it’s so everything is in order, with no surprises later. If any detail about the title needs checking, we’ll tell you early and help you sort it out.

Yes. Before anything is confirmed, a technician comes to your home to measure the roof, check the electrical panel, and see how the sun actually hits. That’s what lets us confirm the final price and design: the estimate you see online is a starting point, not the last word.

It’s almost always one to two days of work at your home, depending on the size of the system and the roof. The crew arrives early, mounts the panels and the battery, and leaves everything connected and clean before they go. After that there’s a short step of inspection and interconnection with LUMA so the system officially turns on.

There’s a short stretch without electricity when they connect the system to your panel, usually an hour or two, and we warn you ahead of time so you can plan around it. The work is on the roof and at the electrical panel, not inside your home, and the crew protects and cleans up everything. If you have anything sensitive, like medical equipment that runs on power, tell us beforehand and we’ll coordinate around it.

Yes. You can cancel at no cost and no penalty at any time before the installation begins. Since you see your price online with no salesperson on top of you, you decide calmly and at your own pace — and until the work starts, there’s no commitment you can’t undo. If you already signed financing and change your mind before we install, tell us and we’ll sort it out.

We’re a Puerto Rico solar company and your single point of responsibility from start to finish: financing, engineering, installation, ongoing system management, and warranties, all right here on the island. Decisions are made here, by people who ride out the same outages you do. We’re not an outside brand that showed up to sell and then left — we live here, we install here, and we answer here.

Just one: us. Solar Trade is your single point of responsibility end to end — financing, engineering, installation, ongoing system management, and warranties. We won’t send you off to sort things out with a bank on one side, an installer on another, and an out-of-state 1-800 for the warranties. One local company that stands behind everything it promises.

No. Solar Trade has no connection to Sunnova or to the mainland companies that filed for bankruptcy and left customers stranded. We’re an independent Puerto Rico company, and what we agree to with you, we stand behind. We know why you’re asking — that’s exactly why we put in writing who stands behind your system. If you were left with an orphaned contract, reach out and we’ll point you in the right direction, no obligation.

Your system’s production is guaranteed by contract, and that contract names the guarantor who stands behind it — it does not depend on us staying in business. The equipment warranties are backed separately by their manufacturers. Before you sign, read who the guarantor is and for how many years: it’s on paper, not a verbal promise.

No. You see your estimate online, at your own pace, without handing over your life story or waiting for a call. You only talk to a person if you ask to. Here the price comes first; the phone call is optional.

We don’t sell your information or share it with third parties for marketing. We only use it to prepare your proposal and, if you decide to move forward, to coordinate your financing and installation — and only with your say-so. You can explore an estimate giving us no more than the basics.

WhatsApp is fastest, and you can also call us or send an email — you pick the channel. On the other side there are people from here, during business hours, not a bot that runs you in circles. Quoting online is the quickest route, but if you’d rather start by talking, gladly.

We stay: we monitor your system, handle the warranties and answer when you need us. Installation is the start of the relationship, not the end. We’re on the island, so you don’t have to cross an ocean to get someone to pick up.

No. To see your estimate you only need the basics, and that first look doesn’t touch your credit. The more sensitive information is only requested if you decide to move toward financing, and we always tell you why. Exploring costs you neither a credit point nor your privacy.

In Puerto Rico, a home with solar and a battery tends to be more attractive and sell faster, because the buyer inherits years of already-solved electricity costs — especially with the blackouts we all live with. Exactly how much it adds depends on the market, the area, and the condition of the system, so nobody honest will give you a fixed number. What we can tell you is that a working system you own, with warranties in writing, is a real asset of the property, not money that disappears.

In practice, the panels stay with the house. Taking them down and reinstalling them on another property costs almost as much as a new system — permits, interconnection, and labor all over again — so it’s rarely worth it. The normal path is to sell the house with the system already in place: it becomes part of the value you hand the buyer, and the financing is transferred or settled at closing. If you ever move, we sit down and walk through it with you.

You have two paths, and both are normal. One: the buyer assumes what’s left of the financing — many see it as an advantage, since they’re getting a home that already produces its own power; that said, assuming it depends on the financier approving it and on the buyer qualifying. Two: you pay off the balance at closing from the sale proceeds. It isn’t decided at the last minute or a surprise: it’s coordinated like any other closing detail, and it’s worth starting early because the process can take a few days. What matters is that you decide ahead of time with clear numbers in front of you.

It depends on your building. If you have your own roof or an exclusive area, it’s usually workable; if the roof is common or shared, the association typically has to approve it first, and your condo bylaws govern that. We won’t promise it works without looking — what we do is review your case and prepare the documentation the board asks for, so you arrive with everything in order. If your situation doesn’t allow solar today, we’ll tell you straight.

Yes, a system can be expanded later. That said, expanding is a new project: it has its own design, permit, LUMA update, and its own price — it isn’t free or automatic. So if you already know an electric car, a pool, or a growing family is coming, tell us up front and we size the system with room to grow. It’s better to plan for it today than to patch it on later.

The system and its financing stay with you, the property owner — that doesn’t change because you have a tenant. Whoever lives in the house is the one who sees the day-to-day savings on electricity consumption, so many owners reflect that in the rent. How you split that value is your call; we explain how each scenario looks so you can negotiate it clearly.

The system is part of the house, so it passes to your heirs along with the property, just like everything else. If financing remains, it’s handled as part of the estate: your heirs can keep the system and its payments, or settle it if they sell — like any other property matter. It isn’t a debt that chases your family outside the house. We put all of this in writing so your people know exactly what they’re receiving.