One Mortgage.Solar Included.
BrightNest Mortgage™ is the QuiqNest-powered program that connects eligible Florida homebuyers with participating licensed lenders, so owned solar can be financed inside the same FHA purchase mortgage. QuiqNest prepares the solar side. Your lender handles the loan.
A QuiqNest-powered program that connects eligible Florida buyers with participating licensed lenders, so owned solar can be financed inside the same FHA purchase mortgage.
Free. Start by checking a home. There is no credit check for the report.
- One FHA mortgage
- Same minimum cash down
- Participating licensed lenders
- Installed after closing
QuiqNest is not a lender or mortgage broker. All financing is subject to FHA program rules, borrower and property eligibility, and lender approval.
Solar becomes part of the home loan, not a second bill.
FHA's Solar and Wind Technologies rules, in HUD Handbook 4000.1, Section II.A.8.m, let eligible solar be financed as part of an FHA mortgage. BrightNest Mortgage™ puts that to work at purchase.
One FHA mortgage
The eligible solar cost is included in the same FHA loan as the home. One loan, one monthly payment and no separate solar loan or lease.
Same minimum cash down
FHA calculates the 3.5% minimum down payment on the home's value without the solar, so financing eligible solar does not raise the cash you bring to closing, subject to program rules.
You qualify on the full payment
As with any FHA loan, your lender reviews your income, credit and the home, and qualifies you on the full combined payment.
Funds held in escrow
The home closes first. The solar funds are held in an escrow holdback, and certified installer partners install the system after closing, generally within 120 days.
Loan amount, rate and terms are set by your lender. Not every borrower or home qualifies.
Clear roles, from first check to installed system.
Solar inside a purchase mortgage only works when the home, the loan and the installation are planned together. BrightNest Mortgage™ connects the people who handle each part.
- Checks the home and designs the solar before you make an offer
- Prepares the solar numbers your lender needs
- Coordinates permits, installation and inspection after closing
- Reviews your income, credit and the home
- Decides your eligibility, loan amount, rate and terms
- Originates and funds the FHA mortgage
- Install the system after the home closes
- Generally within 120 days, funded through the escrow holdback
- Complete permits and inspection
QuiqNest is not a lender or mortgage broker and does not make credit or loan decisions. Mortgages are provided by participating licensed lenders.
From the first check to the keys.
The home closes first. Solar comes after, funded through an escrow holdback.
- Step 1
Check the home
See what the home costs to own, with and without solar, before you tour.
- Step 2
Get connected
BrightNest Mortgage™ connects you with a participating licensed lender.
- Step 3
Apply with your lender
Your lender reviews the full combined payment, your income, credit and the home.
- Step 4
Close on your home
One FHA mortgage, with the solar funds held in an escrow holdback.
- Step 5
Solar installed
Certified installer partners install your system after closing, generally within 120 days.
Timelines depend on your lender, the home and permitting.
What BrightNest Mortgage™ is, and what it is not.
- A QuiqNest-powered program for Florida homebuyers using FHA financing
- A way to connect eligible buyers with participating licensed lenders
- Built around FHA's Solar and Wind Technologies rules for home purchases
- The financing path behind Clear-Title Solar™
- A lender or mortgage broker
- A loan approval, rate quote or commitment to lend
- A separate solar loan or solar lease
- The same as QuiqRefi™ or QuiqBridge™, which are separate products with their own terms
Want to see how owned solar inside your mortgage compares with a solar lease or a separate solar loan? The side-by-side lives on our Clear-Title Solar™ page.
See the comparison →Questions about BrightNest Mortgage™.
Straight answers, with the conditions that apply.
All questions →What is BrightNest Mortgage™?
A QuiqNest-powered program that connects eligible Florida homebuyers with participating licensed lenders, so owned solar can be financed inside the same FHA purchase mortgage.
Who provides the mortgage?
Participating licensed lenders. They originate and fund the loan. QuiqNest is not a lender or mortgage broker and does not fund loans.
Does BrightNest Mortgage™ approve my loan?
No. Your lender reviews your application and decides your eligibility, loan amount, rate and terms. Checking a home with QuiqNest is not a loan approval.
How do I qualify?
You qualify on the full combined payment, as with any FHA loan. Your lender reviews your income, credit and the home.
Does adding solar change my down payment?
FHA calculates the minimum down payment on the home's value without the solar. The 3.5% is calculated on the home price, so financing eligible solar does not increase the cash you need at closing, subject to program rules.
Is solar installed before closing?
No. The home closes first. Your system is installed after closing, generally within 120 days, funded through an escrow holdback. Your closing timeline follows your lender's normal FHA process.
What does it cost to get started?
Nothing. Checking a home is free, and so is your QuiqNest dashboard. There is no credit check for the report.
I am not using an FHA loan. Can BrightNest Mortgage™ help?
BrightNest Mortgage™ is built around FHA purchase financing. If you are planning to use another loan type, talk to a specialist about your options before you make an offer.
Is BrightNest Mortgage™ available outside Florida?
Florida is our current focus. If you are buying in another state, talk to a specialist about your home and where we can help.
Is BrightNest Mortgage™ the same as QuiqRefi™ or QuiqBridge™?
No. BrightNest Mortgage™ is for FHA home purchases. QuiqRefi™ and QuiqBridge™ are separate products for homeowners, with their own structures and terms.
Is the interest tax-deductible?
Potential tax treatment depends on the borrower. Ask a tax professional about your situation.
One Mortgage. Solar Included.
Start with the home. Check it before you tour and see whether solar fits the numbers.
Check a HomeOr Talk to a SpecialistPrefer to talk it through with a person?
Call or email the QuiqNest team about a specific home, FHA eligibility or your next steps.
