Own the Solar.Not the Complications.
Clear-Title Solar™ is owned solar financed inside your FHA purchase mortgage. One loan, one payment and a system that belongs to you, with no lease to transfer and no separate solar loan to pay off when you sell or refinance.
Owned solar financed inside your FHA purchase mortgage. One loan, one payment, and no lease or separate solar loan to untangle later.
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- Owned, not leased
- Inside your FHA mortgage
- No separate solar loan
- Installed after closing
Subject to FHA program rules, borrower and property eligibility, and lender approval.
Normal title and lender review still apply to the home.
Same panels. Very different paperwork.
How solar is paid for decides who owns the equipment, how many payments you make, what may appear in the public record and what happens when the home changes hands.
When you buy
Clear-Title Solar™ is planned with your purchase and financed in the same FHA mortgage. If a home already has leased or financed solar, review that agreement before you make an offer.
When you sell
A leased system usually has to be transferred to your buyer or bought out, and a separate solar loan is often paid off at closing. With Clear-Title Solar™ there is no separate solar lease or loan to resolve, and your sale follows normal mortgage payoff and title steps.
When you refinance
A lease or separate solar loan is one more obligation your new lender reviews, and a filing may need to be addressed. With Clear-Title Solar™, the solar is already part of the mortgage being refinanced, and your new lender reviews the home and loan as usual.
General information, not legal advice. Every contract and lender is different.
Make Solar an Asset, Not a Liability.
The three common ways to pay for home solar, side by side.
| Compared | Owned solar inside your FHA mortgageClear-Title Solar™ | Solar lease or power purchase agreement (PPA) | Separate solar loan |
|---|---|---|---|
| Who owns the system | You do | The solar company | You do, while a separate lender is repaid |
| How it is financed | Part of your FHA purchase mortgage | A contract with the solar company | A separate loan, often through a solar lender |
| Monthly payments | One mortgage payment | Mortgage plus a lease or PPA payment | Mortgage plus a solar loan payment |
| Filings tied to the solar | No equipment-level UCC-1 fixture filing. The FHA mortgage is recorded as usual. | Varies by contract. The company may record a UCC-1 fixture filing or another notice of its ownership. | Varies by lender. Some file a UCC-1 fixture filing on the equipment, some secure the loan another way, and some loans are unsecured. |
| When you sell | No separate solar lease or loan to resolve. Normal mortgage payoff and title steps apply. | Usually transferred to the buyer or bought out, as the contract allows | Often paid off at or before closing, depending on the loan terms |
| When you refinance | No separate solar lease or loan to resolve. The solar is part of the mortgage being refinanced, with normal lender review. | The lease stays in place and the new lender reviews it | The loan stays or is paid off, and the new lender reviews it |
General comparison. Terms vary by contract and lender, some agreements are structured differently, and normal title and lender review still apply. Read any solar agreement before you sign or buy a home that has one.
One owner. One loan. Nothing extra on the equipment.
Clear-Title Solar™ is QuiqNest's name for owned solar financed inside an FHA purchase mortgage, under FHA's Solar and Wind Technologies rules in HUD Handbook 4000.1, Section II.A.8.m.
The eligible solar cost is part of your FHA mortgage, with the same minimum cash down. There is no separate solar loan.
The system is yours. It is not leased, rented or owned by a solar company.
There is no equipment-level UCC-1 fixture filing on the solar equipment, because no separate solar lender or leasing company holds it. Your mortgage and title follow normal FHA requirements.
The home closes first. Certified installer partners install the system after closing, generally within 120 days, funded through an escrow holdback.
QuiqNest is not a lender or mortgage broker. Mortgages are provided by participating licensed lenders through BrightNest Mortgage™.
Clear-Title Solar™ is for buying a home with FHA.
Everything on this page, including the ownership and filing points, describes owned solar inside an FHA purchase mortgage. Our other solar paths are structured differently, with their own ownership, lien and financing terms, explained on their own pages.
Considering a home that already has solar? A lease or loan on that system stays with its own contract. Review the agreement before you make an offer.
Solar Agreement Review →Planned before you tour. Installed after you close.
The home closes first. Solar comes after, funded through an escrow holdback.
- Step 1
Check the home
See whether the home fits and what it costs to own, with and without solar.
- Step 2
Offer with the numbers
You and your agent know the full monthly cost before you write an offer.
- Step 3
Close with one FHA mortgage
Eligible solar is financed in the same loan, subject to program rules and lender approval.
- Step 4
Installed after closing
Certified installer partners install your system, generally within 120 days.
Built on the FHA Solar and Wind Technologies rules, HUD Handbook 4000.1, Section II.A.8.m.
What does "Clear-Title" mean?
The solar is owned by you and financed inside your FHA mortgage, so there is no separate solar loan or lease and no equipment-level UCC-1 fixture filing on the solar equipment. Normal title review still applies to the home itself.
Is a UCC-1 filing always a problem?
Not always. A UCC-1 fixture filing is a public notice that a lender or leasing company has an interest in equipment. Solar leases and loans vary: some use one, some use another kind of filing or security, and some loans are unsecured. Depending on the contract, a filing can add steps when you sell or refinance. Clear-Title Solar™ does not create an equipment-level fixture filing, because there is no separate solar lender or leasing company.
Can every home use Clear-Title Solar™?
No. The roof, sun exposure and the home's numbers all matter, and final eligibility for you and the home is confirmed by your lender.
Does it 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.
Does owned solar raise my home's value?
It may be considered in an appraisal, but a value increase is not guaranteed. How much, if anything, depends on the appraiser, the home and the market.
I already own my home. Is this for me?
Clear-Title Solar™ as described here is for FHA home purchases. If you already own your home, see QuiqRefi™ and QuiqBridge™. They are separate products with their own structures and terms, and the points on this page do not automatically apply to them.
Is QuiqNest a lender?
No. Mortgages are provided by participating licensed lenders. QuiqNest checks the home, prepares the solar side and coordinates the work after closing.
Is the interest tax-deductible?
Potential tax treatment depends on the borrower. Ask a tax professional about your situation.
Own the Solar. Not the Complications.
Check the home you are considering and see whether Clear-Title Solar™ fits, before you tour.
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.
