Florida Realtors

What Realtors Protect When Solar Is Handled Before Closing

This page explains what actually goes wrong when solar is added after a home closes.
And why Florida Realtors handle it earlier.


Why Solar Creates Problems After Closing

Solar itself is not the issue

Timing is.

QuiqNest moves that conversation before showings.

When solar is added after a home closes, it becomes separate debt.
That debt lives outside the mortgage.

This is when problems begin.

Not at showing.
Not at offer.
Later.

Buyers Must Qualify for the Home And the Solar

If solar is added later with a separate loan:

  • The solar payment becomes new monthly debt
  • That debt is counted in DTI
  • Borrowing power can be reduced

This affects refinancing and resale, since future buyers must qualify for both the home and the solar payment.

This is common.
It is not hypothetical.

Refinancing Can Be Blocked Later

After closing, many homeowners want to refinance.

If solar was added later:

  • The solar payment raises DTI
  • Approval becomes harder
  • Some refinances fail

The homeowner did nothing wrong.
The timing did.

Solar Leases Are a Florida Resale Problem

Many solar companies push leases after closing.

Most solar leases are written for 20 to 25 years.
They also include an early lock-in period, typically at least 5 years, while the solar provider claims the tax credit.

When a home with a solar lease is sold:

  • Buyers must assume the lease
  • Some buyers walk away
  • Appraisers raise questions
  • Closings slow down

The listing agent is left solving it.

This Puts Realtors in a Bad Position

When solar is added after closing:

  • The Realtor did not control it
  • The Realtor still has to explain it
  • The Realtor absorbs the stress

Clients expect guidance.
Even when the issue came later.

How Pre-Purchase Solar Prevents All of This

With QuiqNest:

  • Solar is reviewed before contracts
  • Costs are known upfront
  • Solar is part of approved mortgage financing
  • Funds are escrowed at closing
  • Installation happens after closing

One mortgage.
One lien.
No surprises.

Why This Matters in Florida

Florida buyers refinance often.
Florida homes resell often.
Florida solar leases cause friction.

Handling solar before closing protects:

  • Qualification
  • Refinancing
  • Resale
  • The Realtor relationship

What Realtors Can Say in One Sentence

“We handle solar before closing so it never becomes a problem later.”

That sentence is accurate.
And safe.

This Is Why Realtors Use QuiqNest

Solar stays a planning conversation.
Not a closing issue.
Not a refinance problem.
Not a resale headache.