Sojourner SolarLoan Program Application
Congratulations on taking steps towards environmental sustainability.
NPHS, through the Sojourner Solar LŽĂŶ program, offers up to $Ϯϱ,000 for each eligible household
to be used to finance the purchase and installation of solar panels for their eligible homewithin the
Inland Valley. The program is intended for homeowners who are interested in affordable solar
panel options for their home to help reduce their monthly energy costs. The program is designed to
not only reduce homeowners monthly energy costs but also to create a sustainable
future for the Inland Valley by lessening the homeowners carbon footprint. The goal
of the program is to make solar panels accessible to families in the Inland Valley who may
otherwise not have access to purchasing green energy alternatives.
The NPHS Sojourner Solar Loan is a 15 year fully amortized loan at a 3% interest rate for
eligible homeowners who intend to owner occupy their home during the duration of the loan. The
loan will have monthly payments throughout the duration of the loan having a balance.
There is no prepayment penalty for borrowers who complete payments ahead of
schedule. Funds are available on a first come, first served basis with a fully completed intake
form.
In order to effectively determine your eligibility, please complete this application as thoroughly and
accurately as possible. Please note that you must use an NPHS Approved Installer once ruled
eligible for the program. The application, alongwith all required documents must be submitted
in order for NPHS staff to review for eligibility. When you are qualified you will be issued a letter
of pre-approval while you begin the process of getting estimates from contractors for the project cost.
NPHS Sojourner Solar Loan applications are available online at www.nphsinc.org. If you have
questions regarding the application process, please contact one of our Homeownership Specialist's
at (909) 988-5979.
Sojourner
Solar Loan Program Application
APPLICATION INSTRUCTIONS
Please complete the attached application. The information provided is confidential and shall be used
for the purpose of determining eligibility for the NPHS Sojourner Solar Loan Program. In addition to
completing this application, please submit the documents below:
Documents to be submitted with initial application to determine eligibility:
 Signed Application and Disclosures including Exhibit A
PROOF OF HOUSEHOLD MAKE-UP
 Copy of California Driver’s license/identification card and Social Security card of ALL homeowners
 Copy of Social Security card of all other household members and,
 Copy of the applicant’s Federal Income Tax return to support the stated household size
PROOF OF HOME OWNERSHIP
 If you own a home, please attach a copy of the recorded Grant Deed, and a copy of the most recent Property
Tax Bill for your property.
 Provide a copy of the most recent mortgage statement
PROOF OF RESIDENCY
 Provide copies of the last 6 months electricity bills
PROOF OF HOMEOWNERS INSURANCE
 Copy of the homeowner’s insurance policy
PROOF OF INCOME ELIGIBILITY
 If you are currently employed, please provide copies of the last four (4) paycheck stubs;
 If Self-Employed must provide a Year-to-Date Profit and Loss Statement along with the previous 3 years Federal Tax
Returns from a qualified institution
 Copy of other income documentation such as Alimony, Child Support, Social Security, SSI, Retirement and Disability
(supply a copy of the award letter or a copy of the check or direct deposit bank statement)
 Provide copies of three (3) most recent monthly bank statements for each account.
 Provide a copy of your two (2) most recent income tax returns or a letter from the Internal Revenue Service (IRS)
stating you were not obligated to file income taxes for the preceding calendar year
 Copy of Credit Report/ $20 credit reporting fee for NPHS to run "soft pull" credit report
NOTE: Applications without the required proof of HOUSEHOLD, OWNERSHIP, RESIDENCY, HOMEOWNERS INSURANCE and
INCOME as described above will be considered incomplete. All incomplete applications will not be processed.
NEXT STEPS:
Staff will review your completed application to determine whether you are eligible for the program. If you are deemed
eligible to participate in the program you will be notified of the pre-qualification and the process of determining if your
home is eligible via a solar inspection will begin. Prior to final approval of the loan the borrower must attend a Green
Education workshop administered by GRID Alternatives.
NPHS Sojourner Solar Loan Program Application
Primary Applicant Information
First Name: ______________________________________ MI: _____ Last Name: ____________________________________________________
Street Address: _______________________________________ City: _____________________ State: _______ Zip Code: ___________________
Home Telephone: _____________________Cell Telephone: _______________________ Birth date: ____________ Email: ___________________
Mailing address: _____________________________________________________Social Security Number: ________________________________
California Diver License Number/California ID: _________________________________________________________________________________
Marital Status
O Single
O Married
Disability/ Special Need
O Yes
O No
Veteran
O Yes
O No
Legal Resident of U.S?
O Yes
O No
Foreign Born:
O Yes
O No
O Divorced
O Separated
O Widowed
Primary Language: _________________________________
Section 1: Employment Information
Current Employer: _______________________________________________________________________________________________________
Work Phone: (
) ________________________________________
Fax: (
) __________________________________________
Employers Address:_______________________________________________________________________________________________________
How long have you been at your current employer:
Email:
__________ Title/Position:
_______ Your Hire Date:
_
_ _______
Supervisors Name: ___________________________
Supervisors Phone Number: (_____) _________________________________________________________________________________________
Compensation: $_____________________________Yr. Hourly Rate: $_________________/hr. Hours Worked Per Week: __________________
Gross Monthly Income (before taxes): $____________________________ Net Monthly Income (after taxes) $_____________________________
Self Employed P&L (YTD gross): ___________________________________ Self Employed P&L (YTD net): _________________________________
Section2: Housing Arrangement and History
Describe your current housing arrangement:
O Homeowner with Mortgage Payment
O Homeowner with a Mortgage Paid Off
How long have you owned your current residence: ____________________________________
What is your monthly mortgage payment including principle, interest, taxes, insurance and HOA (if
applicable)$_____________________Per Month
How old do you estimate your roof to be?:
0-5 Years _______
5-10 Years _______
10-15 Years _______ 15-20 Years _______ Older than 20 Years_______ Don't know_______
What condition would you say your roof is in?:
Good_______
Fair_______ Poor_______
Section3: Home Ownership Information
Have you or any other person listed on this application, purchased or had ownership interest in a residential unit within the last 3 years:
O Yes
O No
Have you or your co-applicant filed for bankruptcy or foreclosed on a property in the past 3 years:
O Yes
O No
What is your average monthly electricity bill? $__________________________
Section 4: Household Type Information
O Male/Female-headed Single-Parent Household
O Single Adult
Household Size: _______
O Married with Dependents
Number of Dependents: _______
O Married without Dependents
Ages of Dependents: ____, ____, ____, ____, ___, ___
Section5: Assets
Borrower
Balance
Co-Borrower
Balance
Checking Account:
$_____________
Checking Account:
$_____________
Savings Account:
$_____________
Savings Account:
$_____________
Money Market:
$_____________
Money Market:
$_____________
Other (stocks, bonds, ext.): $_____________
Other (stocks, bonds, ext.):
$_____________
401K and Retirement:
401K and Retirement:
$_____________
$_____________
Section 6: Liabilities
Borrower
Name
Unpaid Balance
Monthly Payment:
Co-Borrower
Name
Unpaid Balance
Monthly Payment:
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
_______________ $____________
$______________
Are all debts listed?
O Yes
O No
Is any debt past due?
O Yes
O No
How many months? _________________
NPHS Sojourner Solar Loan Program Application
Co - Applicant Information
First Name: ______________________________________ MI: ________ Last Name: ________________________________________________
Street Address: _______________________________________ City: _____________________ State: _______ Zip Code: ___________________
Home Telephone: _____________________Cell Telephone: _______________________ Birth date: ____________ Email: ___________________
Mailing address: _____________________________________________________Social Security Number: ________________________________
California Diver License Number/California ID: _________________________________________________________________________________
Marital Status
O Single
O Married
Disability/ Special Need
O Yes
O No
Veteran
O Yes
O No
First Time Homebuyer
O Yes
O No
Foreign Born:
O Yes
O No
O Divorced
O Separated
O Widowed
Primary Language: _________________________________
Section 1: Employment Information
Current Employer: _______________________________________________________________________________________________________
Work Phone: (
) ________________________________________
Fax: (
) __________________________________________
Employers Address:_______________________________________________________________________________________________________
How long have you been at your current employer:
Email:
__________ Title/Position:
_______ Your Hire Date:
_
_ _______
Supervisors Name: ___________________________
Supervisors Phone Number: (_____) _________________________________________________________________________________________
Compensation: $_____________________________Yr. Hourly Rate: $_________________/hr. Hours Worked Per Week: __________________
Gross Monthly Income (before taxes): $____________________________ Net Monthly Income (after taxes) $_____________________________
Self Employed P&L (YTD gross): ___________________________________ Self Employed P&L (YTD net): _________________________________
Section2: Housing Arrangement and History
Describe your current housing arrangement:
O Homeowner with Mortgage Payment
O Homeowner with a Mortgage Paid Off
How long have you owned your current residence: ____________________________________
What is your monthly mortgage payment including principle, interest, taxes, insurance and HOA (if applicable)
$_____________________Per Month
Section3: Home Ownership
Have you or any other person listed on this application, purchased or had ownership interest in a residential unit within the last 3 years:
O Yes
O No
Are all debts listed:
Is any debt past due:
O Yes
O Yes
O No
O No
How many months: _________________
Have you or your co-applicant filed for bankruptcy or foreclosed on a property in the past 3 years:
O Yes
O No
What is your monthly mortgage payment including principle, interest, taxes, insurance and HOA (if applicable)
$_____________________Per Month
Section 4: Relation to Applicant
O Grandfather/Grandmother
O Father/Mother
O Husband/Wife
O Sister/Brother
O Uncle/Aunt
O Girl Friend/ Boy Friend
O Niece/Nephew
O Domestic Partner
O Son/Daughter
Acknowledgement and Certifications
By signing below I acknowledge, accept and certify the following:
1. I am aware that my application is being submitted to NPHS for a Solar loan.
2. I am aware that there is a 15 year loan term in which the home the panels are being installed on is
required to be used as my primary residence otherwise repayment obligations will occur.
3. I understand that my loan amount includes a fully amortized 5% interest rate in which payments are
due every month until the balance is paid off.
4. I understand this program is designed for low to moderate income households at or below 120% of the
county median income per household.
5. I understand that funds for this loan are not guaranteed and are only available on a first come, first
served basis upon issuance of a final approval letter.
6. I understand that NPHS reserves the right to reverse any loan approvals based on additional
information discovered that proves the applicant is not eligible for assistance.
7. I understand that once my application is submitted, I will not be permitted to make any changes that
will affect my ratios, household size, income and number of dependents. It is my responsibility to
verify the completeness and accuracy of my application before it is submitted to NPHS.
8. I agree that this application is the property of NPHS and need not be returned to me.
9. I certify that the information contained in this application including all exhibits is true and complete as
of the date below.
IF ANY INFORMATION IS WITHHELD, FALSIFIED, OR WILLFULLY MISREPRESENTED, NPHS RESERVES THE
RIGHT TO REFUSE FUNDING, OR TO CALL THE LOAN DUE-IMMEDIATELY UPON DEMAND. ACCEPTANCE
OF THIS APPLICATION BY NPHS DOES NOT MEAN YOU HAVE BEEN APPROVED FOR A LOAN. NPHS WILL
NOTIFY YOU IN WRITING IF YOU HAVE BEEN APPROVED OR DENIED A LOAN.
_________________________________________
_______________________________________
Applicant Signature
Co-Applicant Signature
Date
Date
NON BORROWER’S EMPLOYMENT AND INCOME INFORMATION
(Exhibit A)
List names and income/employment information of additional family members who will be living in the house that are Non
Borrowers of this purchase transaction:
Non-Borrower Name: ____________________________________
Employer______________________________________________
Monthly Gross Income: _____________
Non-Borrower Name: ____________________________________
Employer______________________________________________
Monthly Gross Income: _____________
Non-Borrower Name: ____________________________________
Employer______________________________________________
Monthly Gross Income: _____________
Office Use Only
Total Borrowers Monthly Gross Income:
$________________________________
Total Non-Borrowers Monthly Gross Income:
$________________________________
Total Household Monthly Gross Income:
$