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Generator: Running Credit, Signing, & NTP

There are four basic steps to qualifying a homeowner and completing a new sale.

  1. Homeowner and system information is input (via palmetto.finance)

  2. Qualifying via credit check

  3. Homeowner Web Portal Account Invite + Contract Docusign are sent

  4. Documents signed & stipulations cleared

  5. All homeowners must create an account in order to clear stipulations​
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Qualification

The Qualification milestone lays the groundwork for a successful project. They cover the basic customer and system details. Accuracy at this stage prevent delays later in the process.

Requirements Include:

  • Customer information

  • System design details

  • Completed quote

  • Credit check

Click Here for a step-by-step for running credit & sending contracts via our finance portal.

Click here for a walkthrough video for Quoting & Pricing in Palmetto Portal

1. Create the customers account

2. Ensure Customer and Property Info is correct


3. Go to the System Design tab and enter the system details


4. Ensure the System Design details and pricing are accurate + Click Save & Get Pricing

It is important that you accurately complete the Accessories section. Only those accessories included in the System Design will be covered by the Palmetto Comfort Plan Warranties. Your Homeowner may not receive all the benefits of the Generator if you do not complete the Accessories

5. Run Credit: Click "+ Application" and submit application

  • Last 4 digits of SSN required, full social recommended for best results. Some applications may not return a result without full social.

    • Note that ITINs are not accepted in place of social and may result in an error.

  • Double check homeowner email for accuracy

  • Allow homeowner to review and affirm the disclosure

  • Run a credit check or send the credit application to the homeowner

  • Maximum credit check rate limit of 6 on all accounts

*Credit applications can be emailed to the customer directly.

Check out this article for details on how to add a "Co-Applicant"
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6. When ready, SEND the Contract

  • Contracts are sent to the homeowner's email via docusign

  • Docusign subject (may vary): "Power Purchase Agreement - XYState"

  • Alternate signing option: Homeowners can sign the contract within their online account.
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7. Simultaneously, the homeowner is sent an ACCOUNT/APP Login Prompt via Email

  • All homeowners must create an account in order to clear stipulations

  • Homeowner portal link: https://home.palmetto.com/.

  • Account is accessible via web browser, mobile browser, or mobile app

  • Instant Account Setup via Email Invite. Subject Line: "Welcome to LightReach!"
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8. Homeowner clears stipulations

  • Stipulations are cleared fastest when the homeowner completes them via their account. Steps can be found in Section C of this article.

Notice to Proceed

Notice to Proceed (NTP) is synonymous with a fully signed & executed order. It is LightReach's signal to the contractor that the contract package is fully executed, and the Installer has the go ahead to proceed with installation.

Click here for NTP Requirements

Item

Requirement

ID

All homeowners must complete identity verification. The homeowner web portal (home.palmetto.com) 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

Click for visual

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 home.palmetto.com 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.

Customer Account

Sign Up

Homeowner accepts their home.palmetto.com web portal account invitation, where they can complete all requirements.

  • 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"

Click for Visual

Contract

The LightReach contract is sent to the homeowners email via DocuSign

  • Alternate signing option: Homeowners can sign the contract within their home.palmetto.com account

  • DocuSign Email Subject Line (may vary slightly by state):

    • "LightReach Lease Agreement - XYZState"

Click for Visual

Clear Facts Disclosure

(Agreement

Confirmation)

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

Click for Visual

Customer Payment Method

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 or bank statement verification, if necessary, on minority of accounts

  • Voided check or bank statement 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.

Click for Visual

A

Example Docs

Acceptable_Mortgage_Statement_Example_-LR 2024.pdf

Example Deed of Trust - LR 2024.pdf

B

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.

C

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.

D

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.

Click for visual

E

Does the customer get a copy of the customer agreement confirmation after they sign?

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

F

What if my customer does not have checks?

In lieu of voided check we can accept official bank document or statement with 3 must-have items:

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1) Name and/or address on document must match account

2) FULL account number

3) Routing number

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Documentation provided must match the linked payment method in the homeowner web portal.

G

Can the customer use the same email for multiple projects?

No - One email address per property address. If a customer has multiple projects at different addresses, each address must use it's own email.

Yes - If the customer is shopping around or has multiple accounts for the same property.

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