Guild Mortgage is the FHA origination partner for Clear-Title Solar™. Qualified buyers may be able to finance the home and approved solar cost through a single FHA mortgage, subject to FHA requirements, borrower qualification, property eligibility, and Guild approval. You work with Guild on the mortgage. QuiqNest handles the solar.
Back in 2018, Guild Mortgage launched its FHA Solar program, letting homebuyers fold the cost of owned solar panels into a single FHA mortgage instead of taking a separate, higher-rate solar loan. Guild built it ahead of the market, years before most of the industry recognized where home solar was heading.
Guild built the program to get ahead of a clear trend: more and more buyers wanting homes with solar already in place. Guild is one of the largest independent mortgage lenders in the country, has been delivering home loans since 1960, and serves buyers through branches across 49 states and the District of Columbia. The vision was right early. The market has now caught up to it.
One FHA loan that covers the home and the solar together, at standard FHA terms with as little as 3.5% down. The lender that recognized owned solar early and built the program to fund it.
The Solar-Ready listing, the projected Power Flip™ numbers, and the plain-language buyer math, all packaged so a buyer can see the savings and step straight into Guild's FHA Solar origination.
The result for the buyer is simple. The solar is owned outright from day one. There is no lease, no separate solar loan, and no equipment-level UCC-1 fixture filing on the solar equipment. It is Clear-Title Solar, financed into the mortgage, and the money that used to go to the power company goes toward the home instead.
