Common Complaints

I Can't Sell or Refinance Because of a Solar Lien

June 22, 2026 · 5 min read

Part of the complete guide: Failed Solar in Florida: The Complete Homeowner's Guide →

You went to sell or refinance and a 'solar lien' popped up in the title search. Here's what it actually is and how to clear the path.

You finally went to sell or refinance, and the title search turned up a 'solar lien' you didn't know was there. Now the closing is stalled. This is increasingly common in Florida, and there are two different things it usually is.

What's on this page

Every section in this article, and what each one covers

1.UCC-1 fixture filing vs. a PACE assessmentA two-item list (A UCC-1 fixture filing; ...) and a callout, naming UCC and PACE.
2.What to doA three-item list (Identify exactly what the lien; ...), naming UCC and PACE.

Also on this page

an opening passage above the first heading (1 paragraph)
two checklists (5 items in all)
one callout
an FAQ (2 questions)

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Frequently asked questions

What is a UCC-1 fixture filing on solar panels?

It's a financing statement a solar lender files to secure its interest in the panels. It appears in a title search and typically must be resolved before a buyer's lender will close on your home.

Does the solar loan transfer to the buyer when I sell?

Usually not. Despite what many homeowners were told, most buyers' mortgage lenders require the solar loan's UCC filing or a PACE assessment to be paid off at closing rather than transferred.

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