Refinance Once.Solar Included.
QuiqRefi™ is designed to help homeowners include owned solar in an eligible FHA rate-and-term refinance, where a participating licensed lender offers it, so the solar becomes part of the new mortgage instead of a separate loan or lease. QuiqNest prepares the solar side. The lender decides on the loan.
Include owned solar in an eligible FHA rate-and-term refinance, where a participating lender offers it, so it becomes part of the new mortgage.
Free. We show you whether a refinance with solar makes sense before you apply. No credit check to start.
- One mortgage payment
- You own the system
- No separate solar loan
- Numbers before you apply
QuiqNest is not a lender or mortgage broker. Refinancing is subject to FHA program rules, an appraisal, credit approval and lender terms. Lender availability varies, and a refinance is not right for every homeowner.
Not every home produces a Power Flip™. We show you the numbers first.
Your refinance is a second chance at solar.
A refinance already brings a lender, an appraisal and a new mortgage. If it makes sense on its own, it can also be the cleanest moment to add owned solar.
Solar was not part of your home purchase, and the power bill keeps arriving every month with nothing to show for it.
If rates or your situation already make a refinance worth doing, adding owned solar can happen in the same transaction.
If you financed solar with QuiqBridge™, a refinance may be able to pay off that temporary financing, but only after lender review and if it is eligible. It is not automatic.
QuiqRefi™ only makes sense when the refinance works for you. We show you the numbers first.
Solar becomes part of the new mortgage, not a second bill.
FHA's Solar and Wind Technologies rules, in HUD Handbook 4000.1, Section II.A.8.m, apply to eligible FHA rate-and-term refinances as well as purchases. QuiqRefi™ puts that to work when you refinance.
One FHA mortgage
The eligible solar cost is added to your new FHA mortgage. One loan and one monthly payment, with no separate solar loan or lease.
Owned, not leased
FHA only allows solar you own. Leased systems and power purchase agreements cannot be financed this way.
Sized to your home
FHA caps the solar amount at the lesser of the system cost or 20% of the property value, using HUD's value calculation for refinances. Program requirements and lender approval still apply.
Installed after closing
Certified installer partners install the system after the refinance closes, with the solar funds released as your lender requires.
Loan amount, rate, closing costs and terms are set by your lender. Not every homeowner or home qualifies.
From the first check to one new mortgage.
The refinance closes first. Solar is installed after.
- Step 1
Check your home
Send your address and a recent power bill. We check your roof, sun and numbers.
- Step 2
See the numbers
Your payment with and without solar, including refinance closing costs.
- Step 3
Apply with a lender
Where available, a participating licensed lender reviews the home, your credit and income.
- Step 4
Close the refinance
One new FHA mortgage, with the solar included.
- Step 5
Solar installed
Certified installer partners install your owned system after closing.
Timelines depend on your lender, the appraisal and permitting.
A refinance has to work on its own.
Solar should not be the reason you take a worse loan. Here is what decides whether QuiqRefi™ fits.
- The new rate compared with the rate you have today
- Closing costs and the appraisal of your home
- Your credit, income and debts, including the full new payment
- Which refinance type your situation qualifies for
- Your monthly payment with and without solar
- Your estimated power bill before and after solar
- How much solar the home and the program can support
- Whether waiting, or QuiqBridge™, makes more sense for now
Refinancing does not pencil out today? QuiqBridge™ is temporary financing for owned solar until a refinance makes sense.
See QuiqBridge™ →Three moments. Three different products.
Each one fits a different point in owning a home, with its own structure and terms.
- Solar financed inside an FHA purchase mortgage
- No equipment-level UCC-1 fixture filing on the solar equipment
- Installed after closing through an escrow holdback
- Temporary financing, separate from your mortgage
- May include a lien on your home or a UCC-1 filing
- May later be paid off in a refinance, only after lender review and eligibility
- Owned solar added to an eligible FHA rate-and-term refinance
- One new mortgage, with no separate solar loan
- Subject to an appraisal, credit approval and lender terms
What is QuiqRefi™?
A QuiqNest-powered approach to including owned solar in an eligible FHA rate-and-term refinance, where a participating licensed lender offers it, so the solar becomes part of the new mortgage.
Who provides the mortgage?
A participating licensed lender, where one is available for your home and situation. Availability varies, and we confirm it before you apply. The lender reviews your application, sets the rate and terms, and originates and funds the loan. QuiqNest is not a lender or mortgage broker.
Which refinances qualify?
FHA's Solar and Wind Technologies rules apply to eligible FHA rate-and-term refinances. They do not apply to every refinance type. Your lender confirms which refinance fits your situation.
How much solar can be included?
FHA caps the solar amount at the lesser of the system's cost or 20% of the property value. For a refinance, HUD calculates that value without the solar, based on the appraisal. The amount remains subject to FHA program requirements and lender approval, and a lender may allow less based on your income and debts.
Does QuiqRefi™ involve a UCC-1 filing?
When the solar is financed inside your FHA mortgage, there is no separate solar lender, so there is no equipment-level UCC-1 fixture filing on the solar equipment. Your mortgage is recorded as usual. If you already have a solar loan with a UCC-1 filing, the lender will review how it is handled in the refinance.
Is QuiqRefi™ the same as Clear-Title Solar™?
No. Clear-Title Solar™ is for buying a home with FHA financing. QuiqRefi™ is for refinancing a home you already own. They use related FHA rules, but they are separate products with their own terms.
I used QuiqBridge™. Can QuiqRefi™ pay it off?
Possibly, but only after lender review. The lender decides whether the QuiqBridge™ balance is eligible to be paid off in the refinance under FHA program rules and its own requirements. It is never automatic, and the two are not consolidated unless the refinance is approved on those terms.
Is a refinance right for me?
Only if it works on its own. That depends on today's rates compared with yours, closing costs, the appraisal and your goals. We show you the numbers with and without solar before you apply.
Is solar installed before closing?
No. The refinance closes first. Certified installer partners install the system after closing, and your lender sets how the solar funds are released.
What does it cost to get started?
Nothing. Checking your home is free, and there is no credit check to start. A refinance itself has closing costs, which your lender discloses.
Is QuiqNest a lender?
No. QuiqNest is not a lender or mortgage broker. QuiqNest checks your home, prepares the solar side and coordinates the installation.
Is the interest tax-deductible?
Potential tax treatment depends on the borrower. Ask a tax professional about your situation.
I already talked to a solar company or signed something. What now?
Have the agreement reviewed before you move forward. Some solar loans and leases add debt or a UCC-1 filing that a refinance lender has to review. Our Solar Agreement Review explains what to look for.
What is a Solar-Ready Home PLUS assessment?
A short review of the home’s power bill, roof and solar potential. Some lenders ask for documentation like this before including solar in a refinance. QuiqRefi™ gathers it early so the refinance stays on track.
Refinance Once. Solar Included.
Send us your address and a recent power bill. A QuiqNest specialist checks your roof, sun and numbers, then shows you whether a refinance with solar could make sense before you apply. No credit check to start.
Email Your AddressOr call (888) 733-0127Prefer to talk it through with a person?
Call or email the QuiqNest team about a specific home, FHA eligibility or your next steps.
