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SOLAR LIEN ON YOUR TITLE

SOLAR LIEN
REMOVAL
EXPERTS

A solar lien on your property title can block your home sale, prevent refinancing, and follow you for decades. PACE loans, solar deed liens, and UCC fixture filings are all removable — but you need to know how.

We specialize in removing solar liens from property titles across the country — through payoff negotiation, legal challenge, or lien dispute.

PACE Loan LiensSolar Deed of TrustUCC Fixture FilingsHERO Program Loans
Call (904) 921-4971Free Lien Review

FREE LIEN REVIEW

Tell us about your lien — we'll tell you how to remove it.

Step 1 of 3

What type of solar lien do you have?

TYPES OF SOLAR LIENS

Not all solar liens are the same. The type determines how it's removed — and how urgently you need to act.

PACE / HERO Loans

SUPER-PRIORITY

Property Assessed Clean Energy loans are recorded as a tax assessment lien on your property. They have super-priority — meaning they're paid BEFORE your mortgage in a foreclosure. Most mortgage lenders refuse to fund a purchase or refinance when a PACE lien exists.

HOW IT'S REMOVED
  • Pay off the full balance at closing
  • Negotiate a reduced settlement with the PACE servicer
  • Challenge the lien if the loan was improperly originated
  • File a legal dispute if you were misled during the sale
COMMON PROGRAMS/LENDERS
YgreneRenew FinancialRenovate AmericaHERO ProgramCalFirst PACE

Solar Deed of Trust / Mortgage

HIGH PRIORITY

Some solar companies record a deed of trust or second mortgage against your property as collateral for the solar loan. This appears on title just like a home equity loan and must be released before you can sell or refinance.

HOW IT'S REMOVED
  • Obtain a lien release from the solar lender upon payoff
  • Negotiate a reduced payoff if financial hardship exists
  • Challenge the lien if it was recorded without proper disclosure
  • Sue for wrongful lien if the loan was fraudulent
COMMON PROGRAMS/LENDERS
Sunrun (some products)SunPower (some products)Various regional lenders

UCC Fixture Filing

MODERATE

A UCC-1 fixture filing is recorded in your county to give the solar company a security interest in the panels as fixtures attached to your property. It doesn't have the same priority as a mortgage lien but can complicate title and deter buyers.

HOW IT'S REMOVED
  • Request a UCC termination statement from the lender upon payoff
  • File a UCC-3 termination if the lender fails to release
  • Challenge the filing if it was improperly recorded
  • Negotiate release as part of a broader loan settlement
COMMON PROGRAMS/LENDERS
Most solar loan companies use UCC filingsMosaicGoodLeapSunlight Financial

Mechanics / Contractor Lien

VARIABLE

If your solar installer wasn't paid by the financing company, they may have filed a mechanics lien against your property. This is separate from the solar loan itself and requires its own resolution process.

HOW IT'S REMOVED
  • Pay the contractor directly to obtain a lien release
  • Dispute the lien if the work was defective or incomplete
  • Negotiate a settlement with the contractor
  • Challenge the lien in court if it was improperly filed
COMMON PROGRAMS/LENDERS
Can occur with any installerCommon when solar companies go bankrupt

OUR LIEN REMOVAL PROCESS

We handle the entire process — from identifying the lien type to getting the release recorded with your county.

STEP 01
Title Review

We pull your title report and identify every lien, encumbrance, and cloud on title related to your solar installation. Many homeowners don't know exactly what type of lien they have until we review it.

STEP 02
Lien Analysis & Strategy

We analyze the lien for legal vulnerabilities — improper origination, TILA violations, failure to disclose, or misrepresentation. This determines whether we negotiate a payoff or challenge the lien legally.

STEP 03
Lender Negotiation

We contact the lien holder directly and negotiate — either a full payoff at closing, a reduced settlement, or a lien release in exchange for a payment plan. We know how these lenders operate.

STEP 04
Lien Release & Recording

Once resolved, we obtain the formal lien release document and coordinate with your title company or county recorder to get it properly recorded — clearing your title for sale or refinance.

SIGNS YOU MAY HAVE A SOLAR LIEN

Many homeowners don't discover a solar lien until they try to sell or refinance. Here's what to watch for.

Your property tax bill increased after solar installation

PACE Lien

A title search shows an unknown lien or encumbrance

Any Type

Your mortgage lender is refusing to fund a refinance

PACE / Deed

A buyer's lender flagged your title during escrow

Any Type

You received a notice from a solar company about a UCC filing

UCC Filing

Your solar installer went bankrupt and you got a contractor lien notice

Mechanics Lien

FREQUENTLY ASKED QUESTIONS

How do I remove a solar lien from my property?
The removal process depends on the lien type. PACE liens require a formal payoff and lien release recorded with your county. UCC fixture filings require a termination statement. Deeds of trust require a reconveyance. We handle all of these — and can often negotiate a reduced payoff if you were misled during the original sale.
What is a PACE loan and why does it create a lien?
PACE (Property Assessed Clean Energy) loans are a type of solar financing where repayment is structured as a property tax assessment. Because they're tied to the property — not the borrower — they're recorded as a lien on your title. They have super-priority, meaning they're paid before your mortgage in a foreclosure. This makes most mortgage lenders refuse to fund a purchase or refi when a PACE lien exists.
Can I dispute a solar lien I didn't agree to?
Yes. If a lien was recorded without your knowledge or consent, or if the loan was originated through misrepresentation, you have legal grounds to challenge it. We review the origination documents, disclosure forms, and recording to identify any defects that could void or reduce the lien.
How long does solar lien removal take?
Simple payoff-and-release transactions can be completed in 2–4 weeks. Negotiated settlements typically take 4–8 weeks. Legal challenges to improper liens can take longer depending on the lender's response. We work to match your timeline — especially if you have a pending sale or refinance.
Does removing a solar lien mean I lose my solar panels?
Not necessarily. Removing the lien means resolving the financing obligation — but the panels themselves are a separate matter. In most cases, if you pay off the loan, you keep the panels. If the loan is challenged and reduced or eliminated, the outcome depends on the specific legal resolution.

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THAT LIEN ISN'T GOING
AWAY ON ITS OWN

Solar liens don't expire. They follow your property until they're formally released. Get a free review and find out exactly what it will take to clear your title.

Call (904) 921-4971Free Lien Review
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