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Situations we see

You are selling or refinancing and the solar is in the way

Title, a lender, or a buyer’s agent asked about the panels. Something in the file is attached to the equipment, the payment, or both. We read the transfer, buyout, and payoff language that is actually there. We do not clear title, and we do not tell you which option you must take.

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Not an installer · Not a law firm

What you need

  • Signed solar or finance agreement
  • A recent statement or payoff / transfer letter if one was sent
  • The title objection, underwriting condition, or agent email, if you have it

What this usually looks like

A filing showed up in the title search

Many leases and some loans come with a public filing on the equipment. People call it a lien. The page may name a filing on the equipment. That filing is often about the panels, not a second mortgage on the house — and title companies still flag it.

The buyer is being asked to take over a payment

A lease or power-purchase agreement may talk about assignment or transfer. That is a different sentence from paying the balance off. The file usually names both paths, or only one.

A refinance underwriter wants paperwork

The mortgage file and the solar file are not the same stack. What the solar pages say about transfer, payoff, or remaining term is what we read. We do not speak for the mortgage lender.

Nobody can find the original agreement in time for closing

Escrow is moving. The proposal is in a photo roll. The signed version is not. Finding the right document is part of this situation — see how to get copies if you only have fragments.

What we would look at

We tell you what the signed pages say about leaving the house with the system still on it. We do not negotiate with title or promise a closing date.

  • Whether the signed file is a loan, a lease, or a power-purchase agreement — that fork changes the rest
  • Assignment, transfer, assumption, or “buyer must qualify” language
  • Buyout, prepayment, payoff, or “fair market value” language, if it is there
  • Any sentence about a filing on the equipment, or a security interest
  • Who must consent before a transfer
  • The remaining term and the current payment, if a statement is in the file

What to bring

The signed agreement first. Title objections help when you have them.

  • Signed solar or finance agreement
  • A recent statement or payoff / transfer letter if one was sent
  • The title objection, underwriting condition, or agent email, if you have it
  • The original proposal, if that is all you were given at signing
  • Any recorded-filing printout you were handed

Find out what your agreement actually says.

About three minutes, no cost, and no obligation at the end of it.

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