BrightNest Mortgage

 Own the Sun. Don't Get Burned.

 Two ways to go solar. Only Clear-Title Solar™ builds real wealth.

Solar: Asset or Liability?

Most solar financing creates hidden markups, separate contracts, and title complications. BrightNest Mortgage™ keeps solar inside the mortgage framework so closings stay on time and ownership is clean from day one.
Monthly
Yearly
Asset - BrightNest Mortgage
Clear-Title Solar™ with tax-deductible interest - own your solar, build equity, eliminate utility bills
System cost: $26,600.
$156/mo
Own The Sun
Check If Your Home Is Solar-Ready
Main Benefits:
Clear-Title Solar™ - No UCC-1 liens
Tax-deductible interest payments
Zero dealer fees (save 30-35%)
No DTI issues - integrated into mortgage
Solar held in escrow holdback so closing stays on schedule
5.9% home value increase (FL average)
13.3% less time on market (resale)
FHA-first: solar can be financed up to 120% of the home’s appraised value
Who is this for?
For smart homeowners who understand the difference between an asset and a liability.
Liability - Solar Lease
Rent solar panels with monthly payments forever. Leases often introduce separate contracts, markups, and title complications.
$183/mo
17.3% More: Get Burned
Check If Your Home Is Solar-Ready
Major Issues:
Never own the solar panels
No ownership or equity from the solar system
Zero home value increase
Perpetual payments for 20-25 years
DTI problems affect future financing
UCC-1 liens still apply
Escalating payments (2-4% annually)
Who is this for?
For homeowners who prefer paying rent forever.
Asset - BrightNest Mortgage
Clear-Title Solar™ with tax-deductible interest - own your solar, build equity, eliminate utility bills
System cost: $26,600. $14,481 less than popular Solar Bank
$1872/yr
Own The Sun
Check If Your Home Is Solar-Ready
Main Benefits:
Clear-Title Solar™ - No UCC-1 liens
Tax-deductible interest payments
Zero dealer fees (save 30-35%)
No DTI issues - integrated into mortgage
Solar held in escrow holdback so closing stays on schedule
5.9% home value increase (FL average)
13.3% less time on market (resale)
FHA-first: solar can be financed up to 120% of the home’s appraised value
Who is this for?
For smart homeowners who understand the difference between an asset and a liability.
Liability - Solar Lease
Rent solar panels with monthly payments forever
$2196/yr
Pay 17.3% More: Get Burned
Check If Your Home Is Solar-Ready
Major Issues:
Never own the solar panels
No ownership or equity from the solar system
Zero home value increase
Perpetual payments for 20-25 years
DTI problems affect future financing
UCC-1 liens still apply
Escalating payments (2-4% annually)
Who is this for?
For homeowners who prefer paying rent forever.

Clear-Title Solar™ Financing Options

FHA First. On-Time Closings. Built for Equity.

BrightNest Mortgage™ integrates solar directly into the home loan. No separate solar loan.
No UCC-1 lien. No dealer markups. Just one mortgage, one payment, and full ownership from day one.

We lead with *FHA Solar* because it is the most reliable, closing-safe way to add solar at purchase.

Check If Your Home Is Solar-Ready
Check If Your Home Is Solar-Ready

FHA Solar (Primary Path)

FHA Solar allows buyers to integrate solar into their mortgage without delaying the home closing

  • Solar funds are held in escrow and released after closing, so the purchase closes on time
  • 3.5% down payment based on the home price only
  • Solar can be financed up to 120% of the home’s appraised value (based on the home appraisal alone, not an “as-completed with solar” value)
  • Single first-lien mortgage with clear title
  • Ideal for first-time and value-focused homebuyers
This structure avoids construction delays, appraisal rework, and post-contract friction that often derail other solar financing methods.

Additional Financing Options

  • FNMA HomeStyle Energy for conventional buyers seeking higher limits and flexibility
  • VA Energy Efficient options for eligible veterans
Log in to view detailed program terms and compare FHA vs FNMA vs VA side by side.

Why BrightNest Mortgage™

Most solar financing introduces separate debt, liens, or closing risk. BrightNest Mortgage™ removes those problems by keeping solar inside the mortgage framework from the start.

  • A fully owned home improvement
  • Integrated into long-term financing
  • A contributor to property value, not a resale obstacle
QuiqNest is not a lender. BrightNest Mortgage™ is a QuiqNest-powered platform designed to help homebuyers access FHA, FNMA, and VA energy mortgage programs for solar and energy upgrades.
FAQ

BrightNest Mortgage FAQ

What is BrightNest Mortgage™?

BrightNest Mortgage™ is a QuiqNest-powered financing solution that allows solar and energy upgrades to be integrated directly into a home purchase mortgage. This structure eliminates separate solar loans, avoids UCC-1 liens, and turns solar into a long-term equity asset instead of a liability.

How is BrightNest Mortgage™ different from traditional solar financing?

Traditional solar loans and leases create separate debt, dealer fees, and UCC-1 liens that complicate refinancing and resale. BrightNest Mortgage™ integrates solar into the primary mortgage, creating one loan, one payment, clear title, and tax-deductible interest.

What is Clear-Title Solar™?

Clear-Title Solar™ means the solar system is fully owned by the homeowner and has no UCC-1 lien attached. This protects resale value, keeps refinancing simple, and ensures solar increases home equity instead of creating friction.

Who is BrightNest Mortgage™ for?

BrightNest solutions are designed for different situations:
‍
‍Homebuyers: Use BrightNest Mortgage™ for pre-purchase solar integration
‍
‍Homeowners: Use QuiqRefi™ to add solar through refinancing
‍
‍Home Sellers: Use QuiqBoost™ to enhance listings with solar incentives

Is mortgage interest on solar tax-deductible?

Yes. Because solar is integrated into the primary mortgage, interest on the solar portion is treated as mortgage interest and may be tax-deductible, unlike most solar loans or leases.

What is QuiqBoost™?

QuiqBoost™ is a solar seller incentive program designed to help homeowners make their listings stand out. Benefits include:

Up to $15,000 toward solar installation costsFaster home sales with stronger buyer appeal

Price protection through solar-enhanced value

Closing support to ensure smooth transactions

How long does the QuiqNest process take?

Timelines vary by program:

‍BrightNest Mortgage™ (Home Purchase):
• Solar assessment: Within 7 days
• Mortgage approval: 3 to 4 weeks
• Installation after closing: 6 to 8 weeks

‍QuiqRefi™ (Refinancing):
• Assessment and application: 2 to 3 weeks
• Refinance approval: 3 to 4 weeks
• Installation: 6 to 8 weeks

Typical end-to-end timeline is 12 to 16 weeks.

Does BrightNest Mortgage™ work in my state?

BrightNest Mortgage™ is currently available in solar-friendly states including Florida, Texas, and California, with expansion underway.

Who provides the mortgage?

All mortgages are originated and executed by licensed mortgage lenders. QuiqNest is not a lender or mortgage broker and does not fund loans.

‍

Is there a cost to get started?

No. The initial Solar-Ready assessment is free and includes solar feasibility analysis, estimated savings, and financing options with no obligation.

How do I get started?

Getting started is simple:
• Submit your property for a Solar-Ready assessment
• Review your Clear-Title Solar™ options
• Choose BrightNest Mortgage™, QuiqRefi™, or QuiqBoost™
• Move forward with a clean, mortgage-integrated solar solution

What if I have more questions?

Our solar specialists are available to help.

‍Phone: Contact our customer service team
Email: Reach out through our contact form
Live Chat: Available during business hours
Consultation: Schedule a free consultation to discuss your situationWe’re here to make your solar journey simple and beneficial.

BrightNest Mortgage™ - Own Solar as an Asset, Not a Liability.

BrightNest Mortgage™ integrates solar directly into your home purchase with no UCC-1 liens and no dealer fees. You get full ownership, increased home value, and tax-deductible mortgage interest for 30 years.
Get Started with BrightNest Mortgage™
Get Started with BrightNest Mortgage™
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