FHA · Backed by HUD

We're the first to make FHA solar financing work at the closing table.

One FHA mortgage. Solar paid off at closing. Panels owned outright.

Find a Solar-Ready Lender →See sample numbers

3.5%Min down payment

580+Min credit score

$0Extra closing costs

Day 1Cash flow positive

// what it is

A normal FHA loan, with solar financed inside the mortgage at closing.

Most “solar homes” come with a lien: a leased system or a separate solar loan that the buyer inherits. FHA Clear-Title Solar™ finances the panels inside the mortgage at closing, with funds held in escrow and the system installed after you move in.

BEFORE QuiqNest

Two loans, two payments

Close the FHA loan, then face the power bill on your own
Solar means a separate loan or PPA after closing
Panels often leased, not owned, with a UCC-1 lien on the title

WITH FHA CLEAR-TITLE SOLAR™

One loan, one payment, owned outright

One FHA mortgage at closing
Solar financed inside the mortgage, funds held in escrow
You own the system from day one
Clear title means clean resale and refinance

// how it works

Five steps. One closing.

Same FHA loan officers you already work with — they just add the solar payoff to the closing disclosure.

Pre-qualify

Take the 60-second FHA quiz. Get matched with a Solar-Ready Lender™.

Find your home

Run Power Flips™ on listings. We tell you which homes can be solar-ready.

One closing

FHA mortgage + solar payoff happen at the same closing table. One signature pile.

Panels installed

Solar-ready homes get panels turned on within 30 days of move-in.

Save monthly

Lower combined mortgage + utilities than the same home without solar.

// the math, on a $599K home

On a $599K solar-ready home, you average $197/mo saved over 10 years.

Same home, same FHA mortgage, same down payment. Solar is financed inside the mortgage and installed after closing.

WITHOUT FHA CLEAR-TITLE SOLAR

FHA mortgage (P&I)$3,327/mo

Utility bill$236/mo

Total monthly$3,563

FHA CLEAR-TITLE SOLAR™

FHA mortgage (P&I)$3,327/mo

Solar add-on+$114/mo

Total monthly$3,441

Save $122/mo in year one, growing to $285/mo by year ten

$197AVG SAVED/MO

Average over 10 years. Includes 6%/yr utility inflation.

$197/mo10-year average

$122/moYear one

$23,65210-year total saved

$285/moYear ten

Sample assumes $599K home, 3.5% down, 30-yr FHA, $25,969 solar add-on at $114/mo. Year-one electricity offset $236/mo inflated 6%/yr. Your numbers will vary. Run a Power Flip™ on a real listing for a personalized estimate.

// eligibility

Standard FHA criteria. No solar-specific hoops.

Credit score580 or higher500–579 OK with 10% down

Down payment3.5% minimumGift funds allowed

IncomeSteady, 2+ yearsW-2, 1099, or retirement

Debt-to-incomeUp to 50%With compensating factors

Property typePrimary residence1–4 units, owner-occupied

Bankruptcy2+ years dischargedChapter 13: 1 year case-by-case

// the comparison

Three ways to buy a home with solar.

New

FHA Clear-Title Solar™

Old way

Conventional FHA + solar loan

Wealthy buyers

Cash-buy solar

Down payment

3.5%

20%+ typical

Solar paid off at closing

Single monthly payment

Panels owned outright

Sometimes

Clear title for resale

Out-of-pocket for solar

$25K loan

$25K cash

Closing costs

Standard FHA

FHA + solar fees

Cash purchase

// solar-ready lenders

Two lenders, ready to finance your solar.

Both have closed Clear-Title Solar loans before. Both can issue a pre-approval letter within 24 hours of you finishing the quiz.

RECOMMENDED FOR YOU

Guild Mortgage

Solar financed inside your mortgage

11States served

Solar financed into one loan, on purchase or refinance
Owned system, not leased, no separate solar loan
580 minimum credit score, up to 120% CLTV

Check if you qualify →

Shoreham Bank

Add solar after you buy. No home equity needed.

50States served

FHA Title I solar financing up to $25,000
No home equity required, fits recent buyers
Owned system, fixed predictable payments

Check if you qualify →

// HOW THIS HOLDS UP

Solar that closes like a mortgage, not a loan.

Most “solar homes” carry a second loan and a lien. Clear-Title Solar runs on a real HUD program your lender can already use.

THE USUAL SOLAR DEAL

A second loan or PPA after closing
Panels leased, not owned
A UCC-1 lien clouding the title
Resale and refinance get complicated

FHA CLEAR-TITLE SOLAR

Solar financed inside the FHA mortgage at closing
Funds held in escrow, released as the system is installed
You own the system from day one, no lease, no PPA
Clear title from closing day, no UCC-1 lien

Built on FHA Solar/Wind Technology (SWT)

A HUD-recognized FHA program, not a QuiqNest workaround.

Clear-Title Solar uses FHA's Solar/Wind Technology program. The solar cost is financed inside the mortgage, the home closes on a standard FHA timeline, and the install is funded through a post-closing escrow holdback released in stages as the work is completed. No second loan, no PPA, no UCC-1 lien.

WHAT'S VERIFIED

Guild Mortgage

FHA origination partner for Clear-Title Solar closings.

Shoreham Bank

Bridge financing partner for QuiqBridge.

Provisional patent filed

On the Clear-Title Solar financing method.

// frequently asked

Questions buyers ask their loan officer.

Is this a real FHA program or a marketing wrapper?

It's a real FHA program. Clear-Title Solar is built on FHA's Solar/Wind Technology (SWT) program, a HUD-recognized provision that allows solar costs to be financed inside an FHA mortgage, with funds disbursed through a post-closing escrow holdback as the system is installed.

Does my mortgage payment go up with solar included?

Yes — typically by $60–$100/mo for a $25K solar package on a $400K home. But your utility bill drops by $180–$220/mo, so your total monthly housing cost goes down.

What if the home doesn't already have solar?

That's the most common case. We finance the panels along with the mortgage; your Solar-Ready Lender™ disburses the solar funds at closing, and panels get installed within 30 days.

Can I refinance later?

Yes. Because the panels are owned with clear title, refinance treats your home like any other FHA-financed home with no special complications.

What if I sell the home?

Clear title means buyers can assume your FHA loan or buy normally — no PPA transfer headaches, no UCC filings to clear. Solar usually adds 4% to home value.

Is there a special inspection or appraisal?

The appraiser uses HUD's solar-ready guidelines. No extra inspection fees — it's bundled into the standard FHA appraisal.

What states is this available in?

All 50, but installer availability varies. We currently have Solar-Ready Lender™ partners in 38 states; the rest are coming online through 2025.

What's the catch?

Honest answer: the home has to be solar-feasible (decent roof, decent sun exposure). About 1 in 4 listings don't qualify — that's why Power Flip™ exists, to pre-screen before you tour.

Get pre-approved in under 4 minutes.

Soft check, no obligation. We'll match you with a Solar-Ready Lender™ in your state.

Take the FHA quiz first

No SSN required for pre-approval · No credit pull until you're matched · 100% free