Thanks everyone for your responses.

I would double check all this, but my understanding is as follows:The property owner is still responsible for repaying the mortgage, even after condemnation. 

If it is not in the contract, the contractor has the right to believe they are not responsible for it. 

I agree with other responses here, and to piggyback on them it seems everyone plans to 'own forever' when they sign a 30 year lease or finance term, and then things change (job, relationship, life events, etc) and folks try to sell the property with 25-28 years left.Banks do not look at power bills when determining DTI, but they will look at a solar loan/lease. 

Bryce, Thank you for the response.

Technically, it's the responsibility of the lender to cancel the mortgage.However, as private lenders we typically request that the closing agent draft the cancellation document and send it after the closing is completed.The lender can then execute (sign, notarize & have witnessed) the cancellation doc and then return the original to the closing agent for recordation.

I am also a lender with Upright and am able to get responses when I email them, but it takes a while.

I know the founders personally, and the ability to call or e-mail when I have an issue and get a quick, personal response makes it worth every penny.

Thanks, everyone, for the responses and support!

Quote from @Jared Khan: Thank you all for your responses.