What about adding the Solar Hot Water Heater into the mortgage?

This is a great time to install a solar hot water system. The monthly savings are far greater than the small increase in mortgage payments. And, the tax savings from the home mortgage or home improvement loan -- typically 25% or more -- count as an itemized deduction on your income tax. Typically, the after-tax rate of return on investment will be over 18% per year, even for two people. You also increase the property value of your home and its visual perception as an energy efficient, environmentally responsible home.