This page is deliberately short. We don’t post financing rates, terms, or offers online — those get quoted against your actual project, not a web page, and placeholder numbers would be worse than none. What we can publish is the part that protects you anyway: the questions that expose any financing offer, from anyone, including eventually ours.
What should you settle before talking payments?
Two things, in order. Whether the purchase clears the worth-it question at all — financing changes cash flow, never the answer. And what’s actually being financed: the seven-line-item total, itemized, with the tier decision already made on measurement rather than on what a payment can be stretched to cover. A monthly number quoted before the tier question is settled is marketing, not finance.
What are the six questions?
- What’s the total repayment cost? Every payment, summed, next to the cash price. The gap between those two numbers is what the convenience costs.
- Is the rate fixed or variable — and if promotional, what does it become? Deferred-interest offers in particular: ask what happens to the accrued interest if you’re a month late on the payoff.
- What’s the term, and what’s the payoff schedule? Longer terms shrink payments and grow totals. Ask for the amortization, not the adjective.
- What fees and penalties exist? Origination, documentation, early-payoff penalties. Anything that punishes paying it off early deserves an explanation.
- Does it attach to the house? Some programs place a lien or ride the property. That’s not automatically bad — but you should hear it said out loud before signing.
- What happens if the home sells? Transfers, payoff-at-closing requirements, buyer assumptions. A generator can be a selling point; its loan terms shouldn’t be a closing surprise.
Ask all six of a lender who expected them, and you’ll get answers. Ask them of one who didn’t, and you’ll get information either way.
What belongs here later?
When the gate lifts: actual programs, actual rates, actual terms, laid against these same six questions in public. If the offers we eventually carry can’t survive our own checklist, they don’t belong on the site. That’s the standard, stated in advance.