Reply from Border Solar: Dear Mr. Felix<br />Truly apologize, if there is one thing we are always extra careful, is to properly explain the Tax Credit, I do understand that we may be as good or as bad as the sales rep that is representing us, we always encourage all of our customer to consult with their CPA or Tax Advisor in regards every customer's Tax Liability and their ability to take advantage of the Tax Credit... we always enphazise that the Federal Tax Credit is a Credit not a Tax refund, and your Tax Advisor should had also explain that to you when you consulted with them. In regards to the 2 loans, we use a 3rd party financing company where all the loans are explained in detail. The reason the loan converts in 2 separate loans is that one that in case the customer uses their Tax Credit amount to buy down the loan, their payment lowers, if customer decides not to pay down the loan, then it converts into two loans, and that also is explain on your loan documents. You are always open to reach us, send us your service request, and in case there is lack of system performance, you have a performance guarantee and we have open door policy. We are in the business in providing solutions for our customers, and very often we do encourage our customer NOT to go solar, because their existing tax situation wouldn't allow them to benefit from the Tax Credit. Again, we apologize for this inconvenience but no information was withheld, nor we condone liying nor deceiving any of our customers, we have been in business for 12 years, and if there is one thing we value is honesty and not just look for a sale, people are always first before profits.