Texas Solar Loan Cancellation — How to Exit Your Financed Solar Agreement
If you financed your solar panels through a loan and it’s not delivering the promised savings, the payments are too high, the system underperforms in Texas heat or hail, or the loan is complicating a home sale or refinance — you are not alone.
Many Texas homeowners financed through lenders like GoodLeap (formerly Loanpal), Mosaic, Sunlight Financial, Service Finance, EnerBank, Dividend Finance, and others now want legitimate ways out.
Texas Solar Cancellation
helps gather your documents and connects you with qualified attorneys who understand Texas-specific protections like Senate Bill 1036, the Texas Deceptive Trade Practices Act (DTPA), and federal lending laws that apply to solar loans.
Important Disclaimer: Texas Solar Cancellation is not a law firm. We are a marketing and intake service. We collect and organize your documents so a qualified law firm we partner with can determine whether your Texas solar loan situation may warrant a legal review.
The decision to stop making loan payments must only be made under the advice and representation of a qualified attorney. This page provides general information only.
How a Texas Solar Loan Differs from a Solar Lease or PPA
The distinction matters because solar loans involve a separate lender and different legal review angles.
Factor
Solar Loan
Solar Lease / PPA
Who owns the equipment?
You (homeowner), with lender’s lien
The leasing company
Monthly payments go to
The lender (GoodLeap, Mosaic, etc.)
The solar/leasing company
Typical term
15–25 years
20–25 years
Lien on your property?
UCC-1 filing on the solar equipment
Varies
Not sure which you have? Check your documents. If it names a lender and refers to a loan/ promissory note, it’s likely a solar loan.
Why Solar Loans Involve a Separate Lender in Texas
Solar loans typically involve three parties: you, the installer, and the lender. This structure creates unique challenges when things go wrong — especially with installer performance issues, misrepresented savings, or problems selling your Texas home.
Common Solar Loan Lenders we see in Texas:
GoodLeap, Mosaic, Sunlight Financial, Service Finance, EnerBank, Dividend Finance, Sungage Financial, and others.
Situations a Qualified Attorney May Review for Texas Solar Loans
Here are common situations that prompt Texas homeowners to submit for intake:
- Loan Terms Didn’t Match Sales Promises
Interest rate, monthly payment, total cost, or tax credit assumptions were misrepresented.
- Federal Solar Tax Credit Issues
Salesperson overstated eligibility or how the credit would reduce your loan balance.
- System Underperformance
Panels produce far less than promised, especially in Texas weather conditions (heat, hail, shading).
- Savings Never Materialized
Electric bills didn’t drop as advertised.
- Installer Issues or Bankruptcy
Installer out of business but you still owe the lender.
- Home Sale or Refinance Blocked
UCC-1 filing on the solar equipment is complicating your Texas real estate transaction.
Texas Advantage: SB 1036 and DTPA provide additional consumer protections that a qualified attorney may evaluate alongside federal lending laws.
About the UCC-1 Filing on Your Solar Equipment
Most solar loans include a UCC-1 fixture filing. This is a lien on the solar equipment (panels, inverters), not on your home itself. However, it can still appear in title searches and affect home sales or refinances in Texas. A qualified attorney can review your options for addressing it.
How the Texas Solar Cancellation Intake Process Works
- Free Intake Form (≈60 seconds) Tell us about your solar loan, lender, installer, and issues.
- Document Collection We help organize your loan agreement, installation contract, sales materials, statements, utility bills, etc.
- Attorney Review If appropriate, your file goes to a qualified law firm for review under Texas and federal law.
Why Texas Homeowners Choose Us
- Texas-focused support with emphasis on SB 1036 and DTPA
- Specialized intake for solar loans
- Connection to qualified attorneys experienced in solar financing cases
- Fixed-fee transparency (disclosed upfront)
- Free initial intake with no obligation
- BBB A+ rated partnership signals
Texas Solar Loan Cancellation FAQs
Can I cancel my solar loan in Texas?
There is no automatic right, but strong options may exist under SB 1036, DTPA, misrepresentation, performance issues, or federal lending laws depending on your facts.
Does the 5-business-day cancellation period under SB 1036 apply to loans?
Yes — for contracts after the law’s effective date, it can require the lender to cancel the accompanying loan.
Should I stop making payments?
Only under direct guidance from a qualified attorney. Never stop without advice.
Is the lien on my home?
No — the UCC-1 is on the solar equipment, not your home.
What if my installer went out of business?
We can often still help. The loan obligation usually continues, but other claims may apply.
How long does the process take?
Intake is fast; full review timeline depends on the law firm and case complexity.
My solar company went out of business?
We can often still help. Many cases proceed against lenders or remaining parties.
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Ready to Get Clarity on
Your Texas Solar Loan?
Stop overpaying or worrying about your financed solar system. Submit your information for a free, no-obligation intake.
Or Call: 888-918-2083