Read this before yousign a solar agreement.
Solar leases and separate solar loans can affect your title, raise your debt-to-income ratio and complicate a future refinance. Talk to QuiqNest before you commit, and decide with the full picture.
Solar leases and loans can affect title, debt-to-income and refinancing. Review before you sign.
Free. No obligation.
- Title
- Debt-to-income
- Refinance
- Resale
QuiqNest is not a lender or mortgage broker. All financing is subject to FHA program rules, borrower and property eligibility, and lender approval.
What solar agreements do to your home.
Third-party ownership and separate solar debt create long-term obligations that travel with the property.
- The solar company owns the panels
- A UCC-1 may be recorded against the property
- Adds a payment to your debt-to-income ratio
- Transfer restrictions at resale
- Refinance complications
- A separate lien on the property
- Raises your debt-to-income ratio
- Can block refinancing options
- PACE structures add risk
- Limits loan-to-value on future loans
- Lender approval issues
The agreement you sign today affects every mortgage decision later.
Solar agreements are long-term financial obligations, not part of a power bill.
- Delays resale
- Reduces the buyer pool
- Can require a payoff
- Can block refinancing
- Complicates closing
- Adds to debt-to-income
- Counts as separate debt
A better structure exists.
Clear-Title Solar™ allows homeowner-owned solar without third-party ownership or a separate solar loan. Eligible solar is financed inside the FHA mortgage.
Own the system
Homeowner-owned solar, installed after closing. No third-party claims on the system.
No equipment-level UCC-1 fixture filing
No separate solar filing is recorded against the equipment.
Mortgage-friendly
Financed inside the FHA mortgage: one loan and one payment, subject to FHA program rules, borrower and property eligibility, and lender approval.
Already signed? Talk to us anyway. Knowing the structure helps you plan your next sale or refinance.
UCC-1 liens in Florida →
Get a review before you commit.
Understand the structure and decide with the full picture.
Talk to a SpecialistOr 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.
