Not Another 3 Putt - Good Advice, Bad Shots

Not Another 3 Putt - Good Advice, Bad Shots A 6 corners intersection of: Life, Real Estate, Finance, Insurance, Sports and Bad Golf Shots. Hosted by:
Tony Perri Jr. An Equal Housing Lender.

NMLS #52423
Producing Area Sales Lead
Novus Home Mortgage is a division of Ixonia Bank, NMLS #423065.

09/10/2026

At this point, the take is pretty clear: solar panels turn off far more buyers than they attract. And the reasons that actually matter often don't surface until you're already deep into the deal.

The two biggest issues come down to this: buyers don't want to look at them, and nobody can fully understand the lease, not even the sellers who signed it.

That's exactly why agents need to get ahead of it. If you're taking on a listing with solar panels, assume your seller doesn't fully understand how the lease works. You'll have to dig into the paperwork yourself, and these leases are genuinely complex. You need to understand it better than your own client does, because at that point, you're the one directing the deal.

New episode, "Panel Discussion, A Solar Panel Episode," breaks down the financing, resale, and insurance angles on solar. Watch now: Panel Discussion, A Solar Panel Episode

📲 Mortgage questions: Tony Perri Jr., applywithjr.com
🏠 Real Estate questions: Tony Mitidiero, tonymitidiero.com
🛡️ Insurance questions: Adam Hage, adamismyagent.com

09/10/2026

Because it's a lien, foreclosure raises a real question: where does that lien fall in priority, and who's responsible for removing the solar panels?

Here's something worth knowing. Every solar lease company encountered in the last 12 months has required a credit check on the buyer purchasing the property. FHA and USDA guidelines say that could actually be an illegal restriction on sale, since the buyer would effectively have to qualify not just to buy the house, but to take on financing for the solar panels too.

We saw this play out on a real deal. The lease required a 680 credit score for the new buyer. If the buyer came in below that, the lease payment jumped by $200 a year. Not a huge number on its own, but enough to throw off a debt-to-income ratio depending on the rest of the file.

New episode, "Panel Discussion, A Solar Panel Episode," breaks down the financing, resale, and insurance angles on solar.

Watch now: Panel Discussion, A Solar Panel Episode

Mortgage questions: Tony Perri Jr., applywithjr.com
Real Estate questions: Tony Mitidiero, tonymitidiero.com
Insurance questions: Adam Hage, adamismyagent.com

09/09/2026

This week Adam Hage and Tony Perri Jr. tee off on the NFC North — who's actually favored, what a $100 bet really pays out at today's odds, and why "favorite" doesn't always mean "safe bet."

Then they shift gears from the sportsbook to the tax bill: how to pull up your own property tax bill in Cook County, what's actually on it, and a real example out of Arlington Heights — home to the site some believe could become the Bears' next stadium. Numbers, odds, and a plot twist involving Soldier Field's possible successor.

👀 Get pre-approved: applywithjr.com
🛡️ Protect what matters: adamismyagent.com

09/05/2026

There's real expense tied to a solar lease, and one of the first questions worth asking is whether it reports to credit bureaus and how it actually affects getting a mortgage. There's a lot of fine print here.

Here's what happens on our end: the moment you're under contract on a home, someone on the team is already scanning the MLS photos. If solar panels show up, we're immediately on the phone with the listing agent or the seller's attorney asking for a copy of that lease.

Why the urgency? It comes down to whether there's a power buyback agreement, meaning excess energy gets sold back to the grid. If there is, that payment typically doesn't get counted in your debt-to-income ratio. If there isn't, it might. That one detail in the lease can shift what you qualify for.

New episode, "Panel Discussion, A Solar Panel Episode," breaks down the financing, resale, and insurance angles on solar. Watch now: Panel Discussion, A Solar Panel Episode

📲 Mortgage questions: Tony Perri Jr., applywithjr.com
🏠 Real Estate questions: Tony Mitidiero, tonymitidiero.com
🛡️ Insurance questions: Adam Hage, adamismyagent.com

09/04/2026

Solar companies love the door-knock pitch, and it's a strong one. The problem shows up later, at resale.

Almost every time a home with solar sells, the homeowner isn't able to clearly explain how their own lease actually works. That's a red flag for buyers, and it turns a lot of them off completely, especially once they realize solar panels don't add value to the home on their own.

If you have solar, the least you can do is understand your lease inside and out and be able to explain it clearly. Have the documentation ready, because these leases can get complex fast. Just as important, make sure your listing agent has that documentation too and actually understands it, because they'll be fielding those questions on your behalf.

New episode, "Panel Discussion, A Solar Panel Episode," breaks down the financing, resale, and insurance angles on solar.

Watch now: Panel Discussion, A Solar Panel Episode

📲 Mortgage questions: Tony Perri Jr., applywithjr.com
🏠 Real Estate questions: Tony Mitidiero, tonymitidiero.com
🛡️ Insurance questions: Adam Hage, adamismyagent.com

09/02/2026

Solar panels look great on a listing photo — until they show up on a title search or a debt-to-income calculation. This week, Tony Perri Jr., Tony Mitidiero and Adam Hage tee up one of the trickiest topics in today's housing market: what happens when solar panels are involved in buying, selling, refinancing or insuring a home.

Just like a course upgrade that looks good on paper but changes how you have to play the hole, solar panels can quietly change the terms of the deal. The panel breaks down the real differences between owning, leasing, and financing solar equipment and why lenders, appraisers, title companies and insurance carriers each treat those situations very differently.

Tony Perri Jr. walks through how mortgage companies handle solar debt, appraised value, and lien position, including why a leased system can quietly disqualify a buyer or stall a refinance. Tony Mitidiero covers what this means at the negotiating table: disclosure obligations, buyer walk-aways and how a solar lease assumption can blow up a closing timeline. Adam Hage rounds it out with the insurance side most homeowners never think about- loss payee restrictions, and why hail and wind coverage (a real concern here in the Midwest) matters more than people realize.

Whether you already have solar, you're shopping for a home that has it, or a contractor is knocking on your door with a "no money down" pitch, this episode is the checklist you need before you sign anything.

📍 Chicago Metro & Northwest Indiana homeowners — this one's for you.

🏌️ Mortgage questions? → applywithjr.com
🏠 Real Estate questions? → tonymitidiero.com
🛡️ Insurance questions? → adamismyagent.com

09/02/2026

Tomorrow, JR, Tony M., and Adam are tackling everything you need to know before making a move on a solar-equipped property.☀️

Here's what we're covering:

🏦 Financing (Tony Perri Jr. - Novus Home Mortgage): Does that solar lease payment count against a buyer's debt-to-income ratio? Sometimes yes, sometimes no. It depends on how excess power gets transferred or sold back to the grid, which means it depends on the actual lease.

🏡 Resale Value (Tony Mitidiero - The Competitive EdgeTony Mitidiero): Do solar panels increase your home's value, decrease it, or land somewhere in between? And if you're planning to list a property with panels, what should you actually be doing to prepare?

🛡️ Insurance (Adam Hage - State Farm Agent): Do premiums go up because of the cost to remove damaged panels before repairing the roof underneath? Or do they go down because the panels are shielding your roof from hail damage in the first place?

Three different angles, one big question: are solar panels an asset or a liability when it's time to buy, sell, insure, or finance? Tune in tomorrow to find out.

🎙️ New episode drops tomorrow. Don't miss it.

📞 Mortgage: Tony Perri Jr., applywithjr.com
🏡 Real Estate: Tony Mitidiero, tonymitidiero.com
🛡️ Insurance: Adam Hage, adamismyagent.com

08/28/2026

We keep coming back to the same two questions: What's your emergency fund, and do you actually have replacement cost coverage? Here's another piece of the puzzle. 🏠

When it comes to roofs, a lot of insurers will patch or repair damage instead of replacing the whole roof, and that's standard practice in the industry, even though it's not what most homeowners expect (or roofers want). Makes sense from a cost standpoint too. If every roof got fully replaced every time a few shingles blew off, premiums would be a lot higher for everyone.

There's an endorsement you can add called roof matching coverage on undamaged surfaces. A lot of carriers offer it, and it typically runs about $250 a year. If your roof gets damaged and it's above your deductible, this endorsement gets you a full roof replacement instead of a mismatched patch job. No arguing with the insurer about it either.

It's a small add-on that's worth checking on, right alongside your deductible and replacement cost numbers. New episode breaks all of this down.

3% of What?! Rebuilding Your Budget for the New Wind & Hail Reality

08/26/2026

Convective storms and tornadoes have hammered Illinois and Indiana harder than ever over the last three years and most homeowners have no idea their insurance deductible quietly changed under them. Tony Perri Jr. and Adam Hage break down how wind/hail deductibles shifted from a flat dollar amount to a percentage of your home's replacement cost, why that can mean a $10,000+ out of pocket hit after a bad hailstorm, and most importantly how to rebuild your emergency fund and household budget so that number is sitting in cash before the next storm hits, not after.

08/26/2026

Your $2,500 deductible? It doesn't exist anymore.

For 20 years, Midwest homeowners could generally count on a flat-dollar homeowner's insurance deductible, something simple like $2,500. Over the last two years, that's changed. Insurance companies have been moving deductibles to a percentage of replacement cost instead.

So if your home has $600,000 in replacement cost coverage, your deductible might now be 1% of that figure, or $6,000. Compared to the old flat $2,500, that leaves you on the hook for an extra $4,500 in repairs.

Why the change? Convective storms (tornadoes, hail, high wind) have become more frequent, and damage losses have jumped fast. A record 300 tornadoes hit in March 2025 alone, generating $8.4 billion in insured losses, and this marked the third year in a row that severe convective storm losses topped $50 billion nationally. Aon's full-year estimate for 2025 puts total insured SCS losses even higher, at $127 billion, despite 2025 being considered a below-average hazard year.

Tomorrow, Adam and I are digging into what this shift means for your policy, and how to revise your emergency fund calculation so a storm doesn't catch you off guard financially.

🎙️New episode drops 8/26. Don't miss it.🎙️

Address

9465 Joliet Street
Saint John, IN
46373

Opening Hours

9am - 11am

Telephone

+16302842729

Website

,

Alerts

Be the first to know and let us send you an email when Not Another 3 Putt - Good Advice, Bad Shots posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category