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Background:

Support receives a request that a customer needs a release of UCC lien so that they can refinance their home (also called subordination). A UCC lien is a lien that is placed on the solar system, not the home itself. When a homeowner wants to refinance their home, they need to have the lien removed. The customer should be referred to account servicing. Account servicing will notify the homeowner that there is a fee for this service. Account servicing will remove the lien, complete the refinance and put the lien back on the system.

Agents can either transfer the call to Account Servicing (319-734-4951) or create a ticket to put the homeowner in contact with Account Servicing

A UCC lien is also referred to as a ‘fixture filing’ which is a UCC filing that is recorded in the real property records, which then turns the security interest into a lien against the actual property where the fixture is located

Create an EBH ticket:

Gather the following information to send to Account Servicing:

  • Full Name

  • Contract ID (Located on initial welcome letter)

  • System address

  • Brief Description of the problem (i.e. release of lien, subordination, home equity line of credit etc.)

  • Email and phone number

 

Create a ticket:

Select “reply to customer” and include all information gathered above and advise the homeowner is looking to refinance their home.

“Hello,

Please be advised that [customer name] is in the process of refinancing their home and needs a release of the UCC lien. Below is the information for the account:

[Insert information from above]

Please kindly reply to this email and notify us when contact with the customer has been made and the process is complete.

Thank you,”

  • Account Services will reach out to the Homeowner to address the request

  • Support will request confirmation that contact is made and will keep checking on the status periodically for resolution

  • The ticket can only be closed if there is confirmation that contact from the third party was successful and the process is complete (This is irrespective of the length of time for the refinance)

UCC Lien Removal Fee Requests

In the event that Account Servicing or the homeowner inquires about waiving UCC Fees.

“Hello,

We are not able to waive the $350 fee associated with the removal of the UCC lien. This is due to the fact that the county and processor charge a fee for administering UCC liens.

Please let me know if you have any questions.

Thank you,

[Agent Name]”

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