Clear-Title Solar™

What breaks most solar deals

Most solar financing was built outside real estate.
That creates problems once a home is sold, refinanced, or appraised.

Traditional solar loans and leases often introduce:

• Separate contracts
• UCC-1 liens on title
• Dealer markups
• Higher interest rates
• Resale and refinance friction

Clear-Title Solar™ was created to fix this by keeping solar inside the mortgage framework, where real estate decisions already happen.

Solar is treated as part of the home, not a separate product.

Clear-Title Solar™ integrates solar as a mortgage-backed home improvement, not personal-property financing.

That means:

• No separate solar loan
• No solar lease
• No lien on the equipment
• No impact on closing timelines

Solar becomes real property equity.

• Solar is handled after closing, not before.The home purchase or refinance closes first.Solar funds are:
  • Approved during underwriting
  • Held in escrow
  • Released after closing
  • Installed post-close
  This avoids construction delays, appraisal issues, and contract friction.

‍Designed to keep closings on schedule.

For qualified FHA buyers:

• The appraisal is based on the home only
• No “after-solar” appraisal is required
• The 3.5% down payment applies only to the home price
• Solar is added with zero additional cash down
• Solar can be financed up to the lesser of actual system cost or 20% of the property value, within FHA base LTV limits
• One FHA mortgage
• One first lien
• No UCC-1 filing

The buyer fully owns the solar system.

Built to stop solar loans and leases before they happen.

QuiqRefi™ allows homeowners to roll solar into a refinance instead of taking on a solar loan or lease later.

This is critical because:

• Solar loans add new debt
• Solar leases lock homeowners for up to five years
• During that lock period, third parties often claim the tax credit
• UCC-1 liens can block future refinancing or selling

QuiqRefi™ keeps solar inside the mortgage and out of third-party contracts.

‍Refinance friction and borrower lock-in.

With QuiqRefi™:

• No solar loan
• No solar lease
• No UCC-1 lien
• No third-party ownership
• No refinance blockage
• Full homeowner control preserved

Solar strengthens the home instead of restricting it.

‍Ownership is immediate and permanent.

With Clear-Title Solar™:

• The homeowner owns the system outright
• Interest on the solar portion is treated as mortgage interest
• There is no dealer markup embedded in financing
• There is no transfer approval required at resale

Solar behaves like a permanent home improvement.

Clear-Title Solar™ removes transaction risk.

For agents:

• No pre-close construction
• No appraisal rework
• No lien disclosures
• No buyer confusion
• No future resale problems

Solar enhances marketability instead of complicating the deal.

1. Clear-Title Solar™ protects loan portfolios.
   ‍It:
   • Blocks third-party solar lenders from attaching UCC-1 liens
   • Prevents lease lock-ins that trap borrowers
   • Keeps solar inside regulated mortgage programs
   • Preserves refinance and resale liquidity
   This is borrower protection and portfolio protection.

Clear-Title Solar™

• One mortgage
• One lien
• Full ownership
• Mortgage-rate financing
• Refinance-safe
• Resale-safe

Solar Loans & Leases

• Separate contracts
• UCC-1 liens
• Higher rates
• Refinance friction
• Ownership restrictions

• Solar without regret.
  • Homebuyers who want solar without closing risk
  • Homeowners who want solar without refinance risk
  • Realtors who want smoother transactions
  • Lenders who want to protect borrowers and portfolio

• See if a home qualifies for Clear-Title Solar™.Solar should build equity.Not create problems.

Clear-Title Solar™ is a trademark of QuiqNest. Patent pending.Clear-Title Solar describes a proprietary method for mortgage-integrated solar financing. Program availability, eligibility, and terms vary by loan type and borrower qualifications. QuiqNest is not a lender.