Homes With Solar Panels are becoming more and more common, in fact many towns and cities are providing incentives for homeowners to install solar panels on their homes. However, Homes with Solar Panels Are Creating Re-Sale & Refinancing Issues. As a result Realtors and Loan Originators need to ask a very important question required in order to obtain financing on a Fannie Mae backed loan. Are the solar panels owned or leased? If the solar panels are owned the following will be required: Standard Fannie Mae Eligibility requirements will apply ( such as appraisal, insurance, and title), and A copy of (52 comments)