Freedom Solar Power&Electric Company


40	Tucson Electric Power (TEP) Company	Tucson Electric Power (TEP) Company TEP’s Energy Services Division conducts Energy Savings Performance Contracting (ESPC). As part of this service, TEP proposes an energy conservation package and guarantees the savings. The energy conservation measures are financed out of a percentage of the savings for a fixed-term, with no downside risk for the property owner. TEP has installed a series of mid-sized PV systems in Tucson and has taken an active role in the development of Civano, Tucson solar village project. Finally, in 1996, TEP formed Global Solar Energy with ITN Energy Systems, Inc., of Denver. Global Solar expects to manufacture up to 1.5 megawatts of thin-film (CIS) solar cell material. The company has claimed that, once in full-scale production, it will be able to manufacture this material at one-half to one-third of the cost of manufacturing other existing solar energy technologies. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
41	CoBank	CoBank CoBank is a $20 billion cooperative bank that is the leading lender to U.S. agriculture and rural America. CoBank specializes in cooperative, agribusiness, rural utility, farm credit association, and agricultural export financing by offering a range of loan programs and financial services. Although rural co-ops have the potential to become big players in U.S. solar market, CoBank’s Electric and Water Division works exclusively with gas powered utilities and currently does not provide any financial services to solar related projects. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
42	Cooperative Finance Corporation (CFC)	Cooperative Finance Corporation (CFC) CFC is a large non-government lender that provides financial services to more than 1,000 cooperative utility owners, serving more than 32 million end-users with electricity. CFC administers a family of financial programs called EC Community Solutions for customers of member co-ops. The EC Commercial program offers loans to businesses for equipment purchases and upgrades; the EC Home program provides mortgages; and the EC Home Improvement program makes loans for energy-related home upgrades. First International Bank N.A. (FIBNA) of Hartford is CFC financial partner in EC Community Solutions. FIBNA actually makes and services the loans. According to the Director of the EC Home Improvement program, CFC might be willing to finance solar projects, but has not received any requests to do so from member co-ops. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
43	Fannie Mae -- Federal National Mortgage Association	Fannie Mae -- Federal National Mortgage Association Fannie Mae, formerly known as the Federal National Mortgage Association, is a congressionally chartered, share-holder owned company and the nation’s largest source of home mortgage funds. In addition to its conventional first mortgages, Fannie Mae offers four products that can be used to finance solar thermal and/or PV systems. 1. The Consumer Energy Loan is an unsecured loan program that was created about 5 years ago. It is designed so that utility companies can offer their customers low-interest rate loans for energy efficiency improvements. Fannie Mae has issued more than 40,000 loans through this program, ranging in size from $1,000 to $20,000. 2. The second product line, the Energy Efficient Mortgage Program, has just been revised and is in its pilot-stage. The revisions were made because very few loans were issued under the original program. The revisions include: eliminating the requirement for additional money down, thus allowing 100% financing of the energy improvements (up to the LTV limitations); recognizing multiple rating methods and prescriptive programs to determine the energy efficiency of a home; and allowing sample ratings of “like-built” properties for new construction projects, thus reducing the “per house” cost of energy ratings. 3. The third product, which has just been developed, is a second mortgage option called the “Remodeler.” This loan, which has a limit of $50,000, allows homeowners to make energy improvements without really changing the financial structure of their mortgage. 4.Finally, Fannie Mae has just announced plans to work with the National Association of Home Builders (NAHB) to promote green building initiatives that emphasize the efficient use of resources such as energy and water. This program is being piloted in six cities: Atlanta, Columbus, Albuquerque, Denver, Los Angeles, and Seattle. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
44	Freddie Mac -- Federal Home Loan Mortgage Corporation	Freddie Mac -- Federal Home Loan Mortgage Corporation Freddie Mac, formerly known as the Federal Home Loan Mortgage Corporation, is a secondary mortgage lender. Freddie Mac purchases mortgages from primary lenders, packages the mortgages as securities, and sells the securities (guaranteed by Freddie Mac) to investors such as insurance companies and pension funds. Like Fannie Mae, Freddie Mac is a congressionally chartered institution that is privately owned by its shareholders. Freddie Mac’s programs are also similar to Fannie Mae’s. Freddie Mac encourages energy efficiency by providing specific criteria for energy efficient mortgages that the company is willing to buy on the secondary mortgage market. Appraisers are allowed to consider the value of energy improvements in the property value. However, appraisers are often reluctant to do so because of a lack of good comparables. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
45	First Financial Funding	First Financial Funding Created in 1981, First Financial Funding, provides debt consolidation loans, home improvement loans, appraised value loans, and advanced loan automation. It allows customers to apply for loans on-line, and responds to applications within 24 hours. First financial Funding is an approved lender under Fannie Mae’s unsecured Consumer Energy Loans Program. It also services loans under SEIA’s Solar Finance Program. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
46	GE Capital	GE Capital GE Capital operates a small-scale leasing program with PowerLight Corporation for commercial PV applications. However, the several people at the company’s headquarters in Connecticut had never heard of this program. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
47	GMAC Mortgage	GMAC Mortgage GMAC Mortgage Corporation has committed to being a major player in the Million Solar Roofs Initiative. As such, it has worked with the Solar Energy Industries Association (SEIA) to develop its Energy Efficient Program, which allows consumers to finance solar installations with their first mortgage or home equity loan. PV systems are not financed alone, but as part of the home mortgage. The program applies to both new construction and retrofits of existing homes. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
48	Nations Bank	Nations Bank Nations Bank is involved in a loan program with Austin Energy. Additional research is required on this item.
49	Residential Energy Service Network (RESNET)	Residential Energy Service Network (RESNET) RESNET is a national network of: 1. mortgage companies, 2. real estate brokerages, 3. builders, 4. appraisers, 5. utilities, 6. and other housing and energy professionals. Its mission is to improve the energy-efficiency of the nation’s housing stock and to qualify more families for home ownership by expanding the national availability of mortgage financing options and home energy ratings. Its main sponsors are 1. GMAC Mortgage Corporation, and 2. PMI Mortgage Insurance. RESNET provides up-to-date news and information about energy efficient mortgages and Home Energy Rating Systems (HERS). Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
50	SolarBank Program	SolarBank Program SolarBank International is being planned as a global capital fund for the financing of the end-use markets for solar energy. When established, it will have affiliated SolarBank funds in each of the countries where there is a substantial market for Solar PV. Sources of capital will be 50% from SolarBank International and 50% from in-country investors, lenders, and institutions. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
51	Volt VIEWtech	Volt VIEWtech Volt VIEWtech was the first Fannie Mae authorized loan provider in the energy efficiency industry. It has served as the primary lender for financing programs sponsored by 1. Southern California Gas, 2. Pacific Gas and Electric, 3. Tampa Electric, and 4. Yankee Financial. Volt VIEWtech also helped create the Edison Electric Institute E-Seal and the Solar Energy Industries Association’s Solar Finance Program (described in the following section). Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
52	BP Solar	BP Solar A wholly owned subsidiary of The British Petroleum Company p.l.c., BP Solar employs over 600 staff world-wide. It recently bought Solarex (now BP Solarex) based in Frederick MD. BP Solarex currently administers two buydown programs for the mid-Atlantic region in collaboration with the Virginia Alliance for Solar Energy (VASE) and DOE/UPVG’s Team-Up Initiative. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
53	Golden Genesis Company	Golden Genesis Company Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
54	PowerLight Corporation	PowerLight Corporation PowerLight was formed in 1991 and is based in the San Francisco Bay Area with representative offices in New York and Hawaii. PowerLight provides a variety of: 1. project development, 2. management, design, 3. construction, and 4. analysis services for its clients. It has completed numerous PV projects around the world, including the largest roof-integrated PV systems in the U.S. In collaboration with GE Capital, PowerLight administers a small-scale leasing program for PV systems on commercial buildings. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
55	Siemens Solar	Siemens Solar Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
56	Solar Energy Industries Association (SEIA): Solar Finance Loan Program	Solar Energy Industries Association (SEIA): Solar Finance Loan Program SEIA initiated a program called Solar Finance in May 1997. This program is available to SEIA’s national and state chapter members for a fee of $500/year. SEIA is also working with UPVG so that its members will also be able to participate. Volt VIEWtech and First Financial Funding service the unsecured loans, which offer a one-day approval turn-around. The Solar Finance program provides 100% financing for solar equipment up to $25,000 with terms running between 5 and 15 years at competitive fixed interest rates. Additional information: http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
57		energy efficiency and renewable energy incentives in the entire US
58		alternative fuels/transportation laws and incentives http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
59		commercial buildings tax deductions and software requirements http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric

60	Residential tax credits (EPACT 2005)	this one is basic info and also includes info on commercial buildings, appliance manufacturers and home builders http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
61	Tax Incentives Assistance Project (TIAP)	residential, commercial, transportation, manufacturers info - http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
62	Gas Appliance Manufacturers Association	residential products that qualify for EPACT tax credit http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
63	Fuel Economy	transportation credits http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
64	IRS forms	http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
65	Arizona state info	http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
66	Veterans Administration Application	http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric
67	Energy Efficient Mortgage Worksheet	http://www.InternetNEWSNETwork.com/FreedomSolarPowerElectric

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