PRE-PURCHASE & PRE-REFINANCE SOLAR READINESS™
QuiqNest Category
Solar financed inside the mortgage. No UCC-1 lien. No second loan. Clean title.
What Makes It Different
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No second loan
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No UCC-1 lien
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Solar owned through mortgage integration
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Available in Florida, California, and Texas
Built for FHA solar integration through BrightNest Mortgage™ workflows.
The Problem
Most residential solar in the U.S. is financed through leases, power purchase agreements, or third-party loans. These structures place encumbrances on the property — UCC-1 filings, equipment liens, or secondary debt obligations — that appear on title and affect the homeowner's financial position.
UCC-1 Liens
Solar leases and some loan products file a UCC-1 lien against the property. This is a public filing that tells future buyers and lenders that the solar equipment is claimed by a third party. It can delay closings and reduce buyer interest.
Second Loans
A separate solar loan means a second creditor, a second monthly obligation, and a second underwriting event if you refinance. It adds to your debt-to-income ratio and complicates your borrowing capacity.
DTI Impact
Solar leases and loan payments are factored into debt-to-income calculations. This can reduce the mortgage amount a buyer qualifies for — or disqualify them entirely.
Resale Risk
Homes with leased solar or liened systems are harder to sell. Buyers must agree to assume the lease or the seller must pay it off at closing. Both scenarios reduce net proceeds and slow transactions.
The Definition
Clear-Title Solar™ is solar energy structured so that it produces no lien, no secondary debt, and no encumbrance on the property title.
The solar system is financed inside the primary mortgage, installed after closing, and owned outright by the homeowner from day one. There is no third-party claim on the equipment. No lease transfer at resale. No UCC-1 filing. The title stays clean.
How It Works
Step 01
QuiqNest screens the property for solar viability — roof orientation, shading, system size, and estimated output — before you write an offer. Not after.
Step 02
The solar cost is structured into the FHA mortgage. The lender underwrites one loan that covers the home and the solar system together.
Step 03
The transaction closes like any other FHA purchase. There is no second loan to coordinate, no lease to transfer, and no additional closing conditions for solar.
Step 04
After closing, a licensed solar installer completes the installation. The system is permitted, inspected, and connected to the grid. The homeowner owns it from day one.
The Foundation
Clear-Title Solar™ is not a new lending product. It is built on the FHA Solar and Wind Technologies program — a provision codified in the HUD mortgage handbook that allows solar energy system costs to be included in an FHA-insured mortgage at purchase.
The program has existed for decades. It was never widely used because the workflow required to activate it — screening homes before offers, coordinating solar bids during underwriting, aligning installers with lenders — did not exist.
QuiqNest built that workflow. The FHA provides the structure. QuiqNest makes it operational.
Who Benefits
Realtors
Lenders
Buyers
Comparison
Get Started
Run the QuiqNest check on any property to see solar viability, estimated savings, and mortgage impact — before you tour.
