QuiqRefi™ Cashflow Optimizer

$
Your current mortgage balance.
%
Your existing mortgage interest rate.
years
Years remaining on your current mortgage.
%
New refinance interest rate.
years
Choose your new loan term.
$
Solar financed into the refi ($0 down).
$
Battery financed into the refi ($0 down). Adds ~$13,000.
$
Typical refi closing costs: ~1.5% of loan amount.
$/mo
Estimated portion of the electric bill solar will offset.
% / yr
Florida 5-year average: 6.7% (conservative estimate: 5.5%).
Estimate only. Not tax advice.
Refi Break-Even
~12 months
From monthly savings alone
Monthly Cost
~$3,200
Lower payment
Electricity
FREE
Forever
Lower payment + free electricity = instant cashflow boost

Net Monthly Cashflow Comparison

This is why FHA Clear-Title Solar feels cheaper: you replace a utility payment with home equity.
WITHOUT Refi + Solar
$0
Mortgage (P&I only) + Utility
WITH Refi + Solar
$0
New mortgage (P&I only) + solar add-on (tax-adjusted)
Net Monthly Savings
$0
Combined savings from lower rate, longer term, and utility replacement
Includes refinance rate change and term reset.

Monthly Impact Breakdown

Monthly Payment Reduction from Refi (P&I) +$0
Utility Payment Avoided +$0
Estimated Solar Add-On (Tax-Adjusted) -$0
Net result $0
NET 30-YEAR SAVINGS
$0
This is money you don't send to the utility.
30-Year Energy Offset Value
$0
Total utility payments avoided over loan term

Why This is Smart

✓
Cashflow positive from Day 1
Already cashflow positive from savings
✓
$130,161 saved over 30 years
Money you don't send to the utility
✓
No liens, no transfer hassles
FHA Clear-Title Solar is owned solar rolled into your FHA mortgage at purchase or refinance. No UCC-1 liens. Sell or refinance anytime with zero complications.
Show Details ▼
Current Loan Balance$0
Current Rate / Remaining Term7.00% / 25 years
Current Monthly Payment (P&I)$0
New Rate + Term6.00% / 30 years
Refi Closing Costs$0
Costs Rolled Into LoanYes
Loan WITHOUT Solar (P&I only)$0
Loan WITH Solar$0
Loan WITH Solar + Battery$0
Payment WITHOUT Solar (P&I)$0
Add-On Payment (Before Tax)$0
Filing Status / Tax BracketMFJ / 24%
ItemizingYes
Estimated Add-On Payment (Tax-Adjusted)$0
Estimated Monthly Energy Offset−$0
Net Monthly Savings$0
Break-Even Period12 months

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