Rooftop solar panels are a desirable feature for homebuyers seeking clean energy and lower utility costs. However, buyers should be cautious about listings advertising “free solar” as hidden financial obligations can arise. A couple discovered this after buying a home with solar panels that were actually financed by the previous owner.

The couple faced issues during a mortgage refinance when they couldn’t prove ownership of the solar panels. The lender required documentation, revealing the panels were financed by the deceased former owner. Despite the lack of documentation, the refinance proceeded. The couple later received bills for the solar loan addressed to the deceased owner.

Residential solar loans are often tied to individuals rather than properties. Homeowners should confirm the existence of a lien before assuming responsibility for a solar loan they didn’t agree to. In this case, the lender continued billing the deceased owner, suggesting the couple may not be liable for the debt.

As solar installations become more common, buyers may inherit complex financial contracts with their new homes. Experts advise homeowners not to rush into paying surprise solar debt and to seek legal advice if a lender asserts a claim. Clear disclosures and documentation at closing can prevent such situations in the future.

Solar power accounts for over 160 gigawatts of energy capacity in the US, with California leading in installations. With an average residential solar system costing nearly $30,000, buyers must be vigilant about potential hidden financial obligations related to solar panels. Proper scrutiny and legal consultation can prevent future issues.

Read more at Yahoo Finance: I bought a house with ‘free’ solar panels. Now a lender says I owe $45,000 on a debt I never agreed to