Can I Refinance My House With Solar Panels?

last updated at September 20, 2023

Are you wondering, "Can I refinance my house with solar panels?" The short answer is yes, you can.

Lenders treat owned solar systems as a home improvement, similar to a new roof or HVAC system, and most conventional refinance programs accept homes with solar attached.

Leased or PPA-financed systems can complicate a refinance, since the lender will want the lease terms disclosed and, in some cases, subordinated. Talk to your loan officer early in the process if your system is financed rather than owned outright.