Buy the Home.Own the Power.
With Clear-Title Solar™, eligible Florida buyers can finance an owned solar system inside the same FHA mortgage, with the same minimum cash down and one monthly payment. Before you tour, QuiqNest shows what a specific home costs to own, with and without solar.
Eligible Florida buyers can finance owned solar inside the same FHA mortgage, with the same minimum cash down. Check what a home costs to own before you tour.
Free. Paste any Zillow link or Florida address. Homes already in our database show results right away.
- Same FHA cash down
- One mortgage, one payment
- Owned, not leased
- The home closes first
Subject to FHA program rules, borrower and property eligibility, and lender approval.
Subject to FHA program rules, borrower and property eligibility, and lender approval.
The price is on the listing. The monthly cost is not.
Your lender looks at the mortgage. Your budget lives with the mortgage and the power bill. In Florida, that power bill is a real part of what a home costs to own, and no listing shows it.
Same minimum cash down
FHA calculates your minimum down payment on the home's value without the solar. Financing eligible solar does not raise the cash you bring to closing, subject to program rules.
One loan, one payment
The eligible solar cost becomes part of your FHA mortgage. No separate solar loan, no lease payment and no second company to pay each month.
Spending that builds ownership
Part of what used to go to the power company goes toward a system you own. Where the home's numbers support it, your total monthly cost can come down too.
A clear title on the solar
The system is owned, not leased, with no equipment-level UCC-1 fixture filing on the solar equipment. Nothing extra to untangle when you sell.
Projections, not guarantees. Results depend on the home, the borrower and lender approval.
Your power bill. A better place for it to go.
The Power Flip™ takes a power bill you pay every month with nothing to show for it and redirects part of that spending toward solar you own, financed inside your FHA mortgage.
It is not a lower mortgage. It is a different split of the money you already spend on energy, and for the right home, a lower total monthly cost.
What decides whether a home produces a Power Flip™
- The roofDirection, pitch, open space and condition decide how much solar the roof can hold.
- Sun and shadeTrees, nearby buildings and orientation change how much power the system makes.
- The home's energy useSize, age, insulation and air conditioning shape the power bill solar would offset.
- Price and loan termsThe home price, rate and loan amount set what the solar adds to the payment.
- Power company ratesLocal rates set what each kilowatt-hour the system makes is worth to you.
That is why we check each home instead of promising a number. Some homes produce a strong Power Flip™. Some do not, and your check will tell you which is which before you tour.
Check a Home →FHA already allows it. We make it work at purchase.
FHA's Solar and Wind Technologies rules, in HUD Handbook 4000.1, Section II.A.8.m, let eligible borrowers finance solar as part of an FHA mortgage. Few buyers use them, because the solar has to be planned with the purchase. QuiqNest built that workflow.
- Checks the home and designs the solar before you make an offer
- Prepares the solar numbers your lender needs
- Connects you with participating licensed lenders through BrightNest Mortgage™
- Coordinates permits, installation and inspection after closing with certified installer partners
- Your eligibility, based on your income, credit and the home
- Whether the full combined payment fits FHA guidelines
- Your final loan amount, rate and terms
- Final approval of the home and the solar
QuiqNest is not a lender or mortgage broker. Mortgages are provided by participating licensed lenders.
Five steps. The home closes first. Solar comes after.
Your system is installed after closing, funded through an escrow holdback. Financing is subject to FHA program rules and lender approval.
- Step 1
Check the home
Paste a Zillow link or address and see what the home costs to own, with and without solar.
- Step 2
Make your offer
Offer with the full monthly cost in hand, not only the list price.
- Step 3
Structure the loan
Your lender builds the eligible solar cost into your FHA mortgage, with the same minimum cash down.
- Step 4
Close on your home
The home closes first. The solar funds are held in an escrow holdback.
- Step 5
Solar installed
Certified installer partners install your system after closing, generally within 120 days.
Built on the FHA Solar and Wind Technologies rules, HUD Handbook 4000.1, Section II.A.8.m.
Solar you own. A title you can sell with.
How solar is paid for decides who owns it and what happens when you sell or refinance. Clear-Title Solar™ keeps it simple.
- Owned by you. Not leased, not rented and not owned by a solar company.
- Paid through one payment. Your FHA mortgage, with no separate solar loan.
- Clear on title. No equipment-level UCC-1 fixture filing on the solar equipment.
- Simple at resale. No lease to transfer and no separate solar loan to pay off.
Normal title and lender review still apply.
How Clear-Title Solar™ compares →Built for buyers who want to know before they tour.
- Buying a home in Florida
- Planning to use an FHA loan
- Comparing homes on what they cost to own each month
- Ready to own an energy system rather than rent one
- Your loan is not FHA. Talk to us about other paths.
- The home's roof, shade or numbers do not support solar. Your check will say so.
- You are buying outside Florida. QuiqNest serves Florida homes today.
Start with homes we have already checked.
Solar-Ready Homes™ across Florida, each with its own Power Flip™ Analysis ready to view.
Questions buyers ask before they tour.
Straight answers, with the conditions that apply.
All questions →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.
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. QuiqNest does not make credit or loan decisions.
Does every home qualify?
No. The roof, sun exposure and the home's numbers all matter, and not every home produces a Power Flip™. Final eligibility for you and the home is confirmed by your lender.
Do I own the solar system?
Yes. It is owned, not leased, and financed inside your FHA mortgage. There is no separate solar loan and no equipment-level UCC-1 fixture filing on the solar equipment.
What happens when I sell or refinance?
There is no lease to transfer and no separate solar loan to pay off. The system is part of the home and its FHA mortgage. Normal title and lender review still apply.
Is this only for first-time buyers?
No. Any buyer using FHA financing on an eligible Florida home can check it. Many FHA buyers are buying their first home, but it is not a requirement.
What does checking a home cost?
Nothing. Checking a home is free, and so is your QuiqNest dashboard. There is no credit check for the report.
What if the home I like does not produce a Power Flip™?
Your check will show it. You can still buy that home with a standard FHA loan, or compare it with other homes before you tour.
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.
Know Before You Tour.
Check the home you are considering and see what it costs to own, before you fall for it.
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.
