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. Lien removal requests can only be processed if they come from the homeowner or the title company.
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
If a request for lien removal is received
EverBright files the UCC lien after M2 completion. The lien may be placed before the booking file is sent to Account Servicing in which case they will have no record of the lien. Navigate to the job in engine to confirm that the customer has reached PTO. If YES, proceed with processing the request per the instructions below.
If the customer has not reached PTO AND they have a PPA or RIC 2.0, the lien may have been filed before Account Servicing has a record of the account. In these cases, the installation has been complete (M2 approved), but the Inservice Date and GreatAmerica Final Acceptance Transfer tasks have not been completed:
In these cases, EB will need to send over a copy of the UCC filing to Account Servicing.
Tag Laura Miller (Unlicensed) in the ticket and request she send a copy of the UCC filing to Account Servicing
If Laura does not respond within 2 days, email her directly and provide a link to the ticket
Once the UCC filing has been sent to Account Servicing, proceed below
If the homeowner submits the request
Create or Update the EBH ticket
Request Type - Account Management
Request Participant - Homeowner’s email
Reply to the customer:
Hello,
We have received your request. Please complete the attached Consent to Disclose form. This will allow your title company to communicate directly with Account Servicing. Email the following to Account Servicing at propertytransactions@accountservicing.com:
Escrow Officer’s Name and Contact Information
Close of Escrow Date
Completed Consent to Disclose form
Note that there is a transaction fee of $350 for termination and filing costs associated with the UCC fixture filing. See attached for payment options.
The account must be current before moving forward. Please make sure to check your inbox and/or junk folder for an email from Account Servicing, as additional information may be requested by our team. If you have any questions, call Account Servicing at (877) 425-5201 Option 1.
Please reply and confirm receipt of these instructions and the attached documents.
Regards,
[Agent’s Name]
Attach the following PDF files to the email before sending:
Once the homeowner confirms receipt of the email and attachments, the ticket can be closed
If the title/escrow company or installer submits the request
Reply to the requestor
Request Type - Account Management
Thank you for your request. If a customer record exists for the request, we will provide them with the required documentation to complete the transaction. In order to streamline communication, we will close this ticket as resolved and communicate directly with the customer.
Close the ticket as resolved
Create a linked ticket, reply to the homeowner and attach the required documents.
Request Type - Account Management
Request Participant - Homeowner’s email
Hello,
Please be advised that [name of escrow/title company/installer] has indicated that you are in the process of refinancing your home and need a release of the UCC lien.
Please complete the attached Consent to Disclose form. This will allow your title company to communicate directly with Account Servicing. Email the following to Account Servicing at propertytransactions@accountservicing.com:
Escrow Officer’s Name and Contact Information
Close of Escrow Date
Completed Consent to Disclose form
Note that there is a transaction fee of $350 for termination and filing costs associated with the UCC fixture filing. See attached for payment options.
The account must be current before moving forward. Please make sure to check your inbox and/or junk folder for an email from Account Servicing, as additional information may be requested by our team. If you have any questions, call Account Servicing at (877) 425-5201 Option 1.
Please reply and confirm receipt of these instructions and the attached documents.
Regards,
[Agent’s Name]
Once the homeowner confirms receipt of the email and attachments, the ticket can be closed
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]