Clear-Title Solar™ was created to solve two structural failures that have prevented solar from working in real estate.
First, it fixes the problems in traditional solar financing. Third-party solar loans and leases sit outside the mortgage as separate consumer debt. At resale or refinance, the next buyer must qualify for both the home loan and the existing solar obligation, which directly impacts debt-to-income ratios. Combined with separate contracts, dealer markups, and UCC-1 liens, this turns solar into a resale and refinancing liability instead of a home asset.
Second, it fixes the mortgage transaction itself. Traditional energy-efficient mortgage programs introduce solar too late in the process, often after a home is already under contract. This timing can require additional inspections, contractor coordination, and as-completed appraisals, which create uncertainty and put closings at risk.
Clear-Title Solar™ exists to eliminate both problems by addressing solar before an offer is made, not during the closing countdown.
Clear-Title Solar™ integrates solar directly into the mortgage framework through BrightNest Mortgage™, keeping solar aligned with how homes are bought, sold, and refinanced.
For FHA buyers, Clear-Title Solar™ allows solar to be included without increasing the required down payment, without requiring an as-completed appraisal, and without delaying closing. The required down payment is calculated on the home price only, not the home plus solar.
Solar installation occurs after closing, using escrowed funds, so the home purchase is completed before any construction begins.
The result is a clean transaction. One mortgage. One payment. No UCC-1 lien. Full solar ownership from day one. Buyers gain confidence, Realtors avoid closing risk, and long-term home value is preserved.
