The Rosses completed a "deep energy retrofit," as their architect Tom Hartman of C&H Architects in Amherst, calls their renovation, and in 2010 moved into their net-zero home. Inspired, Sara founded Sungage Financial in 2011. Her company helps homeowners finance their solar arrays.

"While exploring options for installing solar on our roof, I couldn't find an easy way to finance the purchase of a solar system," she says. "I set out to fill the void by providing a financing solution installers could use to help homeowners."

Founded in 2011, Sungage Financial provides a proprietary online platform that enables homeowners to apply, qualify, and contract for solar financing. Sungage partners with institutional investors and installers who design systems that fit homeowner sites and energy needs. The installer files for all permits. They order equipment, install the system, and organize inspections. The installer receives payment when the system is fully operational. It's a win-win for all involved.

Rethinking the Roof

Back in 2006, Sara and Gareth, having worked in public administration and finance in cities along the East Coast (as well as in San Francisco), decided to start a family and put down roots. Amherst is where Sara grew up and where her parents still live. The Rosses rented an apartment and began looking for their dream home. They thought about building new. They found Hartman, who asked them to consider renovating an existing house in town.