Christina Mathieson: The Solar Lady of Real Estate

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Christina Mathieson: The Solar Lady of Real Estate Christina Mathieson-Segura is a REALTOR® , mortgage loan originator and nationally-recognized real estate educator specializing in solar and transaction risk.

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Equal Housing Opportunity This page is maintained by Christina Mathieson Segura, a real estate educator and consumer advocate known for translating complex, high-risk topics into practical, compliance-safe guidance for professionals. Her work focuses on post-close risk, consumer protection, and the long-term consequences of decisions made during real estate transactions. Solar was where these blind spots became most visible. The lessons apply far beyond it. This page exists as an educational reference for professionals seeking clarity, not promotion.

10/13/2026

Ever had a deal wobble because of the panels on the roof? ☀️ The panels aren't the problem. The paperwork is. Watch this 75-second explainer, then join me December 8 at Realtors Triple Play for the full 3-hour CE class. ChristinaEducation.com

My Sunday Morning StoryOn Wednesday I stood in front of a room of Brooklyn REALTORS® at Agents Day and talked about some...
10/11/2026

My Sunday Morning Story

On Wednesday I stood in front of a room of Brooklyn REALTORS® at Agents Day and talked about something I have watched happen for years.

I do not usually use Sunday for this topic.
This week, I think I need to.

Most agents do not realize there is a problem with a solar home until a week or more into the listing. By then, the chance to price it right is often gone. And we all know pricing is already the hardest conversation we have. Some sellers struggle to accept a pricing strategy.

Some do not realize they need one.
I have seen this from both sides of the desk.

As a Mortgage Loan Originator, I have watched a solar lease surface after a buyer was already pre-qualified. The new debt-to-income ratio disqualified them. Not from buying a home. From buying that home.

As a REALTOR®, I know what happens when we are not prepared. When I teach Solar and Its Impact On A Real Estate Transaction, it is often a huge surprise. Some agents are hearing it for the first time. Others start thinking back to the solar transactions they already closed, and wondering whether one of them could pull them into a mess years from now.

As a solar-powered homeowner, I want to every other person who bought their solar outright to be able to get the proper valuation for this revenue-producing asset when they sell their home.

Here is the part that is not scary.

The panels are not the problem.
What protects you is a few questions, asked at the listing appointment instead of at contract.

Is the system owned, financed, leased, or a PPA?
Who holds that agreement today?
What does it take to transfer it or pay it off, in writing?

Ask before you price it.

I have been carrying this message to my fellow REALTORS® for ten years. I am grateful to Barrington Richards, Anne Marie Stanislaus, and Aldo Iemma, and to the Brooklyn Board of REALTORS® and Brooklyn MLS, for giving me the room to share what I see.

Several years ago, Aldo and I worked together regularly to bring quality real estate education to our fellow REALTORS®. The highest honor I could ask for is a recommendation, and having one come from Aldo warms my heart. He is one of the professionals I will always look up to. He is simply a natural communicator, no matter what language he happens to be speaking that day.

If you have followed me for a while, you have seen my posts about not quitting. I will tell you the truth. Those posts were written for me as much as for anyone.
I have not quit. I will not quit.

Some messages take years to be heard.
Keep saying them.

Some news I am honored to share.I have been appointed an At-Large Member of the National Association of REALTORS® 2027 S...
10/08/2026

Some news I am honored to share.

I have been appointed an At-Large Member of the National Association of REALTORS® 2027 Sustainability Advisory Group, serving a term that runs through November 2028.

I started talking to REALTORS® about solar in 2010, when most people still thought of it as a niche. It is not a niche anymore. Listings. Appraisals. Title work. Closing tables. Having a seat at the national level where these conversations happen means more to me than I can easily say.

Thank you to NAR for the appointment, and to the Long Island Board of REALTORS® for celebrating all of us. I am proud to
serve alongside this extraordinary group of LIBOR members who will represent Long Island on NAR committees in 2027:

Keiko Aikawa, Jessica A Akde Elmazi, Christopher Bacchus, Tiffany Balanoff, Gina Marie Bettenhauser, Carmen Cartagena, Rob A Choudhury, Yvette Clark Watkins, Ayres Dcunha, Christine Dickson, Mark Donnelly, Michael Fong, Michael Galicia, Frederic Greene, Richard Halloran, Walauddin Hoosein, Renée Hughes, Tsui Ying “Judy” Hsu, Shaan Khan, Joosoo Kim, Kevin Leatherman, Linda Lugo, Jason Matthews, Van Nguyen, Connor Nolan, Marlo Paventi, Nino Perdomo, Mary Alice Ruppert, Moses Seuram, Yoshinori Takita, and Kenny Tan.

Congratulations to every one of you. Volunteer service is how this profession keeps getting better, and I am grateful to be doing it with you.

Christina Mathieson: The Solar Lady of Real Estate Long Island Board of REALTORS, Inc.

The first week of October. The leaves are turning and everyone is talking about the changing of the seasons.So let's tal...
10/04/2026

The first week of October.
The leaves are turning and everyone is talking about the changing of the seasons.

So let's talk about the seasons the world says our lives are supposed to have.

In 1978, a psychologist named Daniel Levinson published The Seasons of a Man's Life. He mapped adulthood into eras. Early adulthood. Middle adulthood. Late adulthood, which starts at 60 and is described as the time for reflection, retirement, and coming to terms with the life you lived.

That map was drawn from interviews with forty men. Every one of them was between 35 and 45.
Not one woman.
Not one person who had lived the season being described.

I am in that season now.
Anyone who wants to call it the final stage can suck it.
This is my best season.

Here is what I am sure of.
I have held on to my integrity through every season. My parents taught me early that doing what was right mattered more than what anyone else thought. When I was 10 or 12, one of my aunts asked my mom how she got me to do my homework and get good grades. My mom said, "She just does it."

Genetics? Environment? I don't know.
The quest for knowledge was born in me and it has only gotten stronger. I call myself the nerd, because we used to have to work so much harder for information. Now, good or bad, it is at our fingertips.

I chose to be a good person.

Early on, I confused being a good person with being a nice person. Let me explain.

You never intentionally do anything to hurt or harm another person. That is 100% true. But "nice" is something else.
Sure, I'll help.
Sure, I'll do that.
It is one of the hardest lessons I have learned, and I learned it repeatedly. Just because I can do something well does not mean I have to do it for anybody who comes along and asks. If there is a choice between my kids eating and your kids eating, I choose my kids. They are my life's purpose, and I hope my legacy shows that. I don't plan on leaving this earth any time soon.

I am pretty sure one of the reasons I did not choose the best life partners early on is that they had a different vision of doing the right thing than I did.
It is as simple as it is complicated.

I have often wondered what all of this doing the right thing has cost me.
My time.
My money.
My opportunity.

Here is the truth.
Integrity is a gift.

I never took anything from anyone. When I realized I did not belong in a job, a relationship, or a business, I moved on. That was not the easy road. It was the right road.

About ten or twelve years ago, I went through a very introspective time. It wasn't pretty. I took responsibility for my actions. The ones I took and the ones I didn't take. What I had settled for. What I let slide. I realized that some people were my "friend" because of what I did for them. I made them feel better about themselves. I helped them financially. My work made them money. Even the most affluent people could not buy what they were missing, which was self esteem.

I know it is great having me around. I don't do drama. I solve problems. I think positively, and I believe in lifting people up, because you never know what somebody is going through. A random kind word or a check-in can change a life. People have done that for me and I will never forget it.

I have faced my mortality.
I honestly can't wait to see where we go after we die, because I know my soul is going somewhere.

Ten years ago I signed my name to an oath.
It sits next to my desk, wherever my desk may be. It comes from Napoleon Hill, and it starts with the idea that "no wealth or position can long endure, unless built upon truth and justice." It goes on to promise that I will take part in nothing that does not benefit everyone it affects. That I will earn the help of others by being willing to serve them. That I will trade hatred, envy, and cynicism for love of people, and believe in others the way I ask them to believe in me.

Following it has not always come naturally.

People bring me opportunities. Products and services they want to launch or promote. At the outset, their mission often feels aligned with mine. More often than not, I realize it is not, and I end the relationship.

I am never really starting over, because I never lost anything. I was cutting the potential for loss.

Nice is dangerous.
Doing the right thing is the power.

Over the past ten years, I have learned every piece of real estate. I have seen how afraid people can be of buying a house. That big number looks scary. It is also one of those things where, if you do not take the scary risk with the right people on your team, you miss the entire opportunity.

There is a line often credited to Andrew Carnegie: "Ninety percent of all millionaires become so through owning real estate." A millionaire in his day, more than a hundred years ago, was something else entirely.

I am determined to help people get there.

In this season, I am smarter, more powerful, and totally focused on using my knowledge, my gifts, and my abilities to help others. One person. Groups of people. I am not teaching for myself. I cannot keep the promise I signed my name to, the one etched in my soul, without sharing what I know. What a waste it would be to amass all of this life experience and let it die when my time comes.

I love the fall because letting go is such a beautiful thing.
It is a new start that comes from an ending, and it is all beautiful.

10/03/2026

Sooner or later, a solar home shows up in your transaction. Most professionals do not see the problem until the deal is already in trouble.

Here is the comparison I use. In new construction, the lender verifies the contractor, verifies the equipment and releases funds in stages. Now imagine that $700,000 house turned out to be made of papier-mâché and collapsed. The lender would still get paid.

That is where many solar homeowners are today. The installer is bankrupt. The system is not working. The financing survives all of it, and it follows the house into the sale.

The solar industry was not built for homes to be sold. It was built to get solar on a house and leave.

Awareness is the tool we have right now, so I recorded a short explanation. If you are an agent, broker, attorney, lender or title professional seeing this in your files, message me.

10/03/2026

Picture a brand-new $700,000 house. The lender verified the builder. Checked the equipment. Released the money in stages.

Now picture that house turning out to be made of papier-mâché. It falls apart. It can't shelter your family. It isn't a house anymore.

The lender still gets paid.

That is what is happening in solar right now. SunPower. Sunnova. Freedom Forever. Titan Solar Power. Pink Energy. The companies went bankrupt. The systems stopped working. The payments keep coming.

The solar industry was not built for homes to be sold. It was built to get solar on a house and leave.

If this is affecting you as a homeowner or as a real estate professional, send me a message.

Christina
The Solar Lady of Real Estate

In April I wrote about Freedom Forever filing for bankruptcy, and I ended by asking what would happen to their customers...
09/08/2026

In April I wrote about Freedom Forever filing for bankruptcy, and I ended by asking what would happen to their customers.

On August 7, a judge in Delaware answered. The case was converted from Chapter 11 to Chapter 7 liquidation and a trustee was appointed. A week before that, the creditors' committee had rejected a proposed sale of the company to its own chief executive, and no outside buyer came forward.

About 190,000 homes have those panels on the roof.

Nothing happened to those households on August 7. No letter arrived. The payments came out on schedule. And the workmanship warranty each of them holds is now a claim against an estate that has already told the court there is no money for unsecured creditors.

So I went and read what state attorneys general have actually been filing, and the pattern surprised me.

They have stopped suing installers.

Connecticut sued Solar Wolf in 2022, Vision Solar in 2023, and Sunrun in 2024. Minnesota sued four solar lenders in 2024 over hidden dealer fees. New York sued a solar company and its two lenders in March 2026 over an estimated $275 million. That same month, Connecticut settled with a servicing company and opened an investigation into another one.

Four years. Four floors down. Installer, lender, servicer. The regulators followed the money, because the money is the only thing here that does not go bankrupt.

Connecticut proved why in a single case. The state won a $5 million judgment against Vision Solar, and the Attorney General's own release says the company cannot pay it. Then the state settled with Vision Solar's largest financing partner, and those borrowers actually got relief.

The judgment against the seller bought nothing. The money came from the lender.

Every claim in this is sourced to a court docket, a state filing, or a published finding. It covers where the bankruptcies stand, what the complaints describe, the new financing product nobody has tested in a home sale yet, and what homeowners and agents should be doing right now.

https://www.christinaeducation.com/nobody-is-suing-the-installers-anymore

Educational only, not legal advice.

Eighteen.That is how many residential solar retailers had registered with the State of Texas the day before registration...
09/01/2026

Eighteen.

That is how many residential solar retailers had registered with the State of Texas the day before registration became mandatory. About 500 salespersons. In one of the largest residential solar markets in the country.

Registration opened August 10 under Senate Bill 1036, and as of September 1 solar retailers and individual salespersons must hold a Texas Department of Licensing and Regulation registration to sell or lease residential solar. The prohibited-acts provisions became enforceable the same day.

Here is what actually matters for a homeowner or an agent. There is now a free public registry. Anyone can search it. Until this week, a Texas homeowner had no way to check whether the person standing on their porch was accountable to any state agency. Now there is a name to look up and an agency that will take the complaint.

Two things I would not want anyone to get wrong.

An absent name is not a fraud signal. Most of the market simply has not filed yet. Treat it as a question to raise, not a conclusion to draw.

And the law does not cover power purchase agreements at all. Not partly. Not eventually. At all. So two homeowners on the same street, with the same panels, sold by the same person on the same afternoon, end up in different positions. The one who signed a loan or a lease gets a registry, a code of conduct, a five business day cancellation right, and a complaint path. The one who signed a PPA gets none of it.

Same roof. Same salesperson. Same day.

I wrote up what changed, what it covers, what it does not, and the complaint jurisdiction split that most people are going to miss:

https://www.christinaeducation.com/texas-solar-company-registry-september

Educational only, not legal advice. I am not licensed in Texas.

The first solar scam is the one that sold you the system you do not own yourself. The second one finds you afterward — a...
08/30/2026

The first solar scam is the one that sold you the system you do not own yourself.
The second one finds you afterward — and it's built to profit from how stuck you feel.

When a solar deal goes bad, the company often vanishes but the loan stays, exactly as written. A whole new set of businesses has noticed. Some run automated "settlement" pages promising money that was never filed for. Some promise to cancel your contract for a fee — and a few will tell you to stop paying, which can wreck your credit and, with PACE financing, put your home at risk.

In my new briefing I break down how to tell a real legal notice from a manufactured one, the warning signs of a fake "cancellation" service, and what actually helps (most of it free). The regulators — NY, Minnesota, Texas, the CFPB — have documented the underlying fraud. This is about not getting hurt a second time.

Read it here: https://www.christinaeducation.com/articles-resources/second-solar-scam

Christina Mathieson Segura

REALTORS: Solar doesn't have to kill your deal. If you don't check for a UCC filing and you don't know how to document o...
08/26/2026

REALTORS: Solar doesn't have to kill your deal.

If you don't check for a UCC filing and you don't know how to document owned system value for the appraiser, you ARE leaving your seller's money on the table.

I don't sell solar — I teach agents how to close it right.

Email: [email protected]


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Syosset, NY

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