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PR: Completing NTP (M0) Requirements

How to complete all sales requirements to achieve NTP.

The Puerto Rico Main Line program follows the same general NTP (Notice to Proceed) process as the DOE Solar Access Program, with key differences in qualifying criteria and sales requirements. These are:

  • No “Terms & Conditions” form required

  • Title verification is required

  • Credit check is required:

    • Minimum 700 FICO Credit Score (highest score: TransUnion / Equifax)

    • No bankruptcies in the last 7 years

  • ReCheck verification is mandatory for all sales representatives

For a full summary of all program differences, please review the Puerto Rico Overview Article

[Freedom within the Framework] It is the responsibility of the installer to ensure that the site and installation meet all requirements detailed on our knowledge base.


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Standard NTP Requirements

The fastest path to NTP is through the homeowner's web portal account. The web portal invite are sent simultaneously with the contract via Email (accessible via web browser or via app download).

Homeowner portal link: home.palmetto.com

[Disclaimer: The LightReach underwriting team is not permitted to receive documents via SMS/chat for security and compliance reasons]

Item

Details

Web Portal Account Sign Up

Homeowners will complete all NTP requirements via their home.palmetto.com account (accessible via web browser or via app download).

  • Sign Up invitation sent at same time as contract

  • Email Subject Line: "Welcome to LightReach! Activate your financing"

  • (Each property address must use a unique email address for sign-up)

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  • By selecting “Review Tasks,” homeowners can proceed with clearing any outstanding stipulations.

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ID

All homeowners must complete identity verification. The homeowner web portal is the secure option to upload the ID for auto verification

  • Driver's license or other state issued ID card

  • Passport or passport card

  • Resident permit ID or green card

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Title

All homeowners must complete title verification. Most accounts will auto verify, but if necessary, homeowner may be prompted to upload title verification documents through their web portal.

Acceptable documents:

  • Original deed or deed of trust

  • Most recent tax property bill

  • Mortgage statement less than 60 days old

For Properties owned in a Trust/LLC:

  • Applicant must be a trustee/controlling member/owner.

  • Trust documents (or other official documentation) must be submitted confirming trustee/controlling member status

From 3/1/26

Utility Bill

From 3/1/26, all new sales will require a valid Utility Bill from the last 60 days. Based on the bill, additional system restrictions may apply.

Acceptable formats: Full paper or digital copy clearly showing [1] name & address, [2] balance, [3] rate plan, and [4] usage.

Secondary Restrictions: Based on the provided bill, the following restrictions will apply.

  • [A] System cannot exceed 150% offset based on historical usage. Files that exceed this will be stipulated for system size reduction. No exceptions will be granted.

  • [B] Customer cannot have a past due balance of any kind. Files with past due balances will be rejected. Proof of full payment will be required. No exceptions will be granted.

  • [C] Customers on CARE or other LMI (Low/Middle Income) Subsidized Rate plans are free to proceed, but only at our lowest solar rate available (escalator not considered). Files with applicable rate plans will be stipulated for change order price reduction as necessary. No exceptions will be granted.

ACH

All homeowners must complete ACH. The homeowner web portal is the secure option to upload the banking information

  • Key in routing and account number

  • Instant verification on majority of accounts

  • Voided check verification, if necessary, on minority of account

  • Voided check must be from a formal bank and be associated with the applicant or property. It must display the account name, account number, and routing number.

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Contract

The LightReach contract is sent to the homeowners email via DocuSign

DocuSign Email Subject Line:

  • "Signature Required - LightReach Power Purchase Agreement"

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Clear Facts Disclosure

A simple, non-invasive order summary.

Homeowner 'checks' key details of their Energy Plan and 'signs off' on their order details. This feature helps recap key order details and reinforces the sale. Completed in a matter of seconds.

  • After completion, a copy is emailed to the customer

  • Market-specific variations may apply

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Sales Rep Recheck Verification

Recheck verification required for all sales reps.

  • All sales reps must verify at recheck.co/signup

  • Sales rep will be sent an email automatically at point of sale, prompting them to login to Recheck.

  • Login is required only once - Recheck verification is saved for all future sales thereafter.

See our Recheck article for details on the requirement

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Administrative Stipulations

Installers may see a stipulation applied on customer accounts in the LightReach portal, typically applied the next business day after a contract has been signed. The two most common stipulations are consumer protection-related.

[1] The Customer Action Required (CAR) Stipulation:

How Customers Clear the Stipulation: (takes 1-2 minutes)

  1. Sign in to their home.palmetto.com account

  2. Open the Key Contract Details Review task

  3. Review the information, check the boxes, "sign" & submit.

  4. Upon completion, the stipulation will automatically clear

This stipulation has a similar look and feel to our standard Clear Facts Disclosure NTP task, and features a more robust secondary checklist. It is applied when higher-risk factors are identified on the customer's account, including but not limited to age (All customers over the age of 65 are eligible for the stip). The stipulation can only be deployed after the initial sale, typically the next business day after a contract has been signed.

[2] The Consumer Compliance Details Stipulation:

LightReach may require secondary verification from installers on accounts with higher-risk factors, at the discretion of our underwriters. Higher-risk factors include but are not limited to pricing, age, or market NPS scores. In such instances, installers are responsible for providing LightReach with a reasonable copy of the installer's verification step(s). View full details and context on our installer compliance guide here.

A

Deeds: Warranty & Quit Claim?

Generally, most deed types are acceptable, so long as they identify the homeowner as having ownership over the designated installation property in the documents.
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LR reserves the right to reject any deed types that fall outside of this scope.

B

Cash, Checks, Credit Card accepted?

No, cash, checks or Credit Card payments are not supported. ACH is the only payment option at this time, LR may offer to expand payment options in the future.

C

Sign Up vs Sign In

SIGN UP: Customers are sent a unique sign up invitation at point of sale via Email. Single click to complete sign up.

LOGIN: Once the customer has completed their sign up, they can login anytime at home.palmetto.com using their email. OTP (One time passcodes) are used for sign ins. No traditional password setup necessary.

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D

Does the customer get a copy of the Clear Facts Disclosure after they sign?

Yes, a copy is emailed to the customer once they have completed the task in the customer portal.

E

Can the customer use the same email for multiple projects?

Customers can have one email per unique property address. This ensures customers can monitor each individual system with an individual login.

  • House A - Email A

  • House B - Email B

F

Utility Bill Exceptions?

In general, we require a 'clean' utility bill that reflects all of our above requirements. Any factors outside of this that may represent risk to Palmetto are subject to rejection. This includes but may not be limited to:

  • Outstanding or overdue balances of any kind

  • Abnormal or non-residential rate plans

  • Significantly out of date bill copies.

Where reasonably possible, PLR underwriters will err toward flexibility. PLR underwriters may, at their sole discretion, reject or approve bills based on unique circumstances or risk factors.

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