@bradbakke Whoever's name is on the title owns the home. The mortgage lender holds a lien on the property, which is not the same as ownership.
Also, this web reference may answer your other questions: http://solaroutreach.org/wp-content/uploads/2015/03/ResidentialITC_Factsheet_Final.pdf
**Answers are correct to the best of my ability but do not constitute tax or legal advice.
