You Went Solar. Now It’s Time to Get Paid for It.
Nearly all homeowners miss $12K–$30K in hidden solar credits — book your free consult to claim what’s yours.
Unlock $12K–$30K+ in hidden solar credits — even if you already claimed the 30%
Second thing you get instant access to
Third thing you get as a bonus today
CLICK BELOW TO WATCH FIRST!
Josh Valentine, Co-Founder of Modern Financial
Licensed CPA Team • 3,500+ Homeowners Helped
Feel Trapped in a
25-Year Solar Loan?
You May Be Able to Legally Walk Away.
CLICK BELOW TO WATCH FIRST!
Clients are walking away from predatory loans
Legal-backed contract audit
No obligation, no pressure
“Thousands Have Escaped Their Solar Loans — Legally.”
4,500+
Homeowners Audited
$26M+
In Invalidated Solar Loan Debt
82%
Success Rate
4.9⭐
Avg. Rating from Verified Clients
“Thousands Have Escaped Their Solar Loans — Legally.”
Our Calendar is Packed — Because Solar Loan Relief Works.
Thousands of homeowners are booking their Free Solar Loan Exit Audits to see if they qualify for contract invalidation, refunds, or restructuring.
Many are shocked to discover legal violations hidden in their contracts — and we're helping them walk away for good.
If you’re still paying an electric bill, stuck in a bad solar loan, or never got your full 30%+ back — this is your chance to fix it.
Done over the Phone
Takes less than an hour
No cost, no pressure
But spots are filling fast — and we can only help so many per week.
See If You Qualify to Walk Away From Your Solar Loan
A Proven Legal Strategy to Help You Exit a Predatory Solar Loan Today
We do the legal digging — you keep the savings and peace of mind.
We’ve helped thousands of homeowners review their solar loan contracts, uncover violations, and walk away from 25-year loans they never should’ve signed.
Most people don’t realize they may be entitled to debt relief, contract invalidation, or full loan forgiveness — until we show them.
Our process includes:
Contract + Credit Review with our solar audit team
Legal Validation by attorneys specializing in solar loans
Actionable Exit Plan based on any violations uncovered
It’s designed to be simple, pressure-free, and focused entirely on one thing: getting your money back.
We Handle the Paperwork. You Walk Away Free.
Most homeowners don’t realize their solar loan may be invalid. That’s why we’ve built a legal-backed exit system — and it’s already helped thousands regain control of their finances.
Meet the Team That’s Helping Homeowners Escape Bad Solar Loans
At Modern Financial, we’ve developed a legal-backed review system that helps homeowners challenge predatory solar loans and walk away with a clean slate.
We’re not just financial consultants — we work alongside attorneys and credit experts to uncover violations, explore contract loopholes, and craft personalized exit strategies based on consumer protection laws.
Even if you’ve been told your loan is “locked in,” we may be able to help you walk away — and save thousands in the process.
We handle the numbers — You keep the savings.
Your Solar Loan May Be Invalid — And You Might Not Even Know It
Most homeowners don’t realize their solar contract could be challenged — or that they’re overpaying thousands under unfair terms.
They assume their loan is non-negotiable.
They assume there’s no legal way out.
They assume if no one told them, it must be legit.
But that’s where most people miss out.
We’ve built a legal-backed review process that uncovers violations, audits solar contracts, and helps homeowners exit loans they never should’ve signed — and it’s now available to you.
You don’t need to argue with the installer.
You don’t need to hire a lawyer on your own.
You don’t even need to understand the fine print...
We Do the Hard Work for You
CASE STUDY #1 - LISA – PHOENIX, AZ
$18,400 in Recovered Credits
LISA – PHOENIX, AZ
Solar Loan Invalidated + $18,400 in Relief
“I thought everything was handled when we got our solar panels — turns out, our loan had buried terms we didn’t even agree to.
The Modern Financial team ran a full audit, found multiple violations, and helped us legally walk away from the remaining $18K owed. Now our solar finally makes financial sense.”
How Lisa Walked Away from Her Solar Loan — And Cut His Bills by $210/Month
Background
Lisa financed her solar panels in 2021 and thought everything was handled by her installer. She was stuck in a 25-year loan, still receiving electric bills, and wasn’t sure where the savings were. After seeing our ad, she reached out to see if her loan could be reviewed or challenged.
The Challenge
Her contract had confusing terms. She didn’t recall signing off on half the provisions, the interest rate had risen unexpectedly, and the loan provider wasn’t transparent about buyout options or early termination clauses.
Lisa felt trapped — unsure if anything could be done.
The Discovery
Our legal-backed solar loan audit uncovered several major red flags:
🔍 Undisclosed rate hikes built into the contract
📄 Incomplete truth-in-lending documentation
⚖️ Loan terms that violated federal lending transparency law
The Result
With our legal team’s help, Lisa successfully challenged and invalidated the remainder of her loan — freeing her from over $18,000 in remaining payments.
She also enrolled in a restructured energy plan, lowering her combined solar and utility costs by $210/month
"One review. One plan. Now I finally feel like solar is working for me. 💰"
CASE STUDY #2 - MARCUS – SACRAMENTO, CA
$17,900 in Loan Forgiveness + Lower Payments
MARCUS – SACRAMENTO, CA
$24,900 in Loan Forgiveness
“I thought we were stuck in a 25-year loan with no way out. Our payments were rising, and we still had an electric bill. I assumed it was just part of going solar.
The Modern Financial team uncovered violations we didn’t even know existed — and helped us walk away from the balance we owed.”
How Marcus Walked Away from a $17,900 in Solar Loan
Background
Marcus financed his solar system in 2020 and thought he was locked into a 25-year loan. Despite his monthly payments, he still had an electric bill — and didn’t feel like he was actually saving money.
He reached out when he saw our offer and wondered if his loan could be challenged.
The Challenge
His solar provider never disclosed key loan details. His agreement lacked clarity, interest rates had jumped, and early buyout terms were buried in fine print.
He felt stuck — but wasn’t sure he had options.
The Discovery
During a legal-backed solar loan audit, our team uncovered multiple issues:
💡 Hidden rate escalation clauses
📄 Missing consumer disclosures
⚖️ Violations of truth-in-lending guidelines
The Result
Marcus was able to invalidate the loan — legally walking away from over $17,000 owed.
We also helped him secure a new, optimized solution that reduced his total monthly payment by $310/month.
" One review. One plan. Now I finally feel like solar is working for me 💵"
CASE STUDY #3 - SOFIA – ORLANDO, FL
$15,200 in Recovered Credits
SOFIA – ORLANDO, FL
$15,200 in Recovered Credits
“My installer went out of business and I thought I was just stuck.Turns out I was still eligible for multiple credits — and they even helped me restructure my awful loan.
I never imagined I’d get back over $15,200.”
How Sofia Recovered $15,200 in Hidden Solar Incentives
Background
Sofia installed solar in 2021 through a door-to-door sales rep. Her payments were high, her installer went out of business, and she wasn’t sure who to turn to when things went wrong.
The Challenge
She was still paying nearly her full power bill, her solar loan had jumped unexpectedly, and she believed her system wasn’t eligible for anything else because she already filed a tax return.
The Discovery
During a free consultation, we discovered:
🌞 Missed Florida performance-based energy credits
🧾 Unused rebate due to lack of battery integration
🏛 A solar financing structure that was legally challengeable
💡 Homeowner energy efficiency credit she didn’t know she qualified for
The Result
Sofia recovered $15,200 in total — and used part of the funds to install a battery system.
She also got help from our team to renegotiate her solar loan and cut her monthly payment by over $190.
" Broken system, fixed. Over $15K back. One simple call. 🔧💵"
CASE STUDY #4 - ANDRE – AUSTIN, TX
$19,000 in Credits + Utility Refunds
ANDRE – AUSTIN, TX
$19,000 in Credits + Utility Refunds
“I was still paying close to $100/month even with solar. Turns out my system wasn’t configured for net metering — and I never claimed the Texas rebate.
The Modern Financial team fixed it all and got me nearly 20K back.”
How Andre Recovered $19,000 in Missed Credits + Utility Refunds
Background
Andre had invested in a premium solar system back in 2023. He received his 30% federal credit, but he was still paying a surprisingly high electric bill every month.
The Challenge
Despite a solid install, he was still being charged over $90/month from the utility. His loan had ballooned, and he assumed something was just wrong with the system.
The Discovery
In our CPA-backed consultation, we uncovered:
🔌 His system was never enrolled in the net metering program
⚖️ Utility was overcharging him $45/month for nearly 3 years
🌤 Texas Solar Rebate Program had never been claimed
🧾 His original installer skipped a compliance filing, limiting his incentives
The Result
Andre recovered $19,000 in total — including a utility refund and missed rebates.
We also helped him optimize his net metering config and reduce his average energy cost by over 70%.
" Wrong setup. Right audit. $19K+ back — stress-free. ⚡💸"
CASE STUDY #5 - DAVID – DENVER, CO
$30,000 in Overlooked Solar Credits
DAVID – DENVER, CO
$30,000 in Recovered Credits
“We thought we did everything right — solar install, tax filing, the works. But we were missing over $30K in additional programs.
The Modern Financial team found every dollar. I wish I did this sooner.”
How David Recovered $30,000 in Overlooked Solar Credits
Background
David installed solar in 2022 using a national installer. His CPA filed for the 30% federal tax credit, and he assumed that covered everything.
The Challenge
Even after going solar, his energy bill was still around $70/month. He had no idea about state-level credits or loan optimization strategies. His solar financing included hidden escalation terms that were kicking in after year three.
The Discovery
During our 60-minute audit, we uncovered:
✅ 2 unused Colorado state tax programs for solar adopters
💰 A $7,000 utility performance bonus that was still available
⚖️ Loan escalation clauses that qualified for restructuring
🧠 He never claimed the home energy upgrade incentive (battery + window insulation)
The Result
David recovered $30,000 in credits and incentives — all retroactively filed.
We also helped him refinance his loan, removing the rate escalator and reducing his payment by $280/month.
" No gimmicks. Just $30K in hidden value brought to light. 💼💸"
We handle the numbers — You keep the savings.
🔍 Frequently Asked Questions (FAQ)
❓How much can I actually get back?
Most homeowners recover between $12,000–$30,000, depending on their solar setup, loan type, and what’s been previously claimed. Some even qualify for more through utility refunds, battery rebates, or legal missteps in their financing.
❓ What if I already claimed the 30% federal tax credit?
Great! You’re not alone. Most of our clients already claimed the 30% federal credit — but still had thousands left on the table through state-level programs, energy rebates, and solar loan errors.
❓ How does this work?
It starts with a free 60-minute consultation. Our team conducts a personalized audit of your solar system, tax filings, and financing. We identify all missed opportunities, then help file the necessary claims or restructuring — all done-for-you.
❓ Is this legitimate?
Absolutely. We’re backed by licensed CPAs, legal experts, and solar financial analysts. Everything we do is compliant with federal and state programs. You’ll receive detailed documentation for your tax preparer or accountant.
❓ What if my solar installer is no longer in business?
That’s actually very common. We work with homeowners who were left behind by installers, or had poorly structured loans. Our team knows how to navigate these cases and still recover funds.
❓ Do I have to pay anything upfront?
Then we’ll tell you straight up. No hard pitch. We’ll even give you free advice on how to lower your solar payments, optimize your setup, or avoid common pitfalls.
❓ I don’t have a battery — can I still qualify?
Yes. While batteries open up extra rebates, you can still recover thousands from credits tied to your panels, system configuration, and how your loan was filed.
❓ Do you offer other financial services too?
Yes. After helping recover solar credits, we often help clients with: 🏠 HELOCs (home equity lines) to pay off bad solar loans ⚡ Battery upgrades to eliminate power bills 🛠 Future services like roofing, windows, HVAC — all pre-vetted for quality and savings
Modern Financial specializes in helping homeowners uncover unclaimed solar tax incentives, restructure solar loans, and optimize their financial setup through education, audits, and CPA-backed consultation services.
We provide informational resources and expert guidance designed to identify eligible programs and opportunities.
The testimonials featured on this site are real stories from real clients, used with permission. They represent individuals who took action and followed recommendations, and are
not indicative of guaranteed or typical results.
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