FHA Clear-Title Solar and UCC-1 Liens: What FHA Buyers Must Avoid
Many FHA buyers believe solar ownership is simple.
Install panels. Lower the bill. Increase value.
The problem is not solar itself. The problem is how solar is financed.
Why UCC-1 Liens Are Common in Solar Deals
Most traditional solar loans and solar leases place a UCC-1 lien on the property.
That lien gives the solar lender a legal claim tied to the home. It is not a mortgage, but it still appears during title review, refinance, or resale.
For FHA buyers, this creates real risk.
How UCC-1 Liens Hurt FHA Homeowners
UCC-1 liens often surface later, not at installation.
They can complicate refinancing.
They can delay a sale.
They can force lien releases, payoff negotiations, or lender approvals that were never expected.
Many homeowners only learn about the lien when it is already a problem.
Why FHA Buyers Are More Exposed
FHA buyers tend to refinance, sell, or move within a shorter time frame.
Any lien that sits outside the mortgage increases friction during those moments.
That is why FHA buyers must be especially careful with solar financing structures.
How FHA Clear-Title Solar Solves This
FHA Clear-Title Solar does not use third-party solar loans.
There are no leases.
No power purchase agreements.
No UCC-1 liens.
Solar is integrated through the mortgage structure, so ownership is clean from day one.
The homeowner owns the solar system the same way they own the roof.
What Clean Title Actually Means
Clear-Title Solar means:
No UCC-1 filings
No third-party solar lenders
No separate payoff requirements
No lien surprises during resale or refinance
Solar becomes part of the property, not an outside obligation.
Why This Matters Long After Closing
Most solar problems do not show up at closing.
They appear years later, when a homeowner wants flexibility.
FHA Clear-Title Solar protects that flexibility by removing lien risk entirely.
For FHA buyers, that difference is not optional.
It is essential.
