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4. Completing NTP (M0) Requirements
4. Completing NTP (M0) Requirements

How to complete all sales requirements to achieve NTP.

Andrew - LR Product Ops avatar
Written by Andrew - LR Product Ops
Updated over 2 weeks ago

Overview & Disclaimer

All sales of a LightReach (LR) energy plan require a small number of administrative items to be cleared in order to achieve M0 (notice to proceed). These standard items are required on every sale. They are designed to:

  • Protect the homeowner by verifying their identity and intent to pay

  • Protect LR and Certified Installers by affirming the sale

  • Ensure all payment milestones can be completed in a timely fashion

NTP (M0) status signals that the homeowner has been qualified and completed their requirements. It is the responsibility of the installer to ensure that the site and installation meet LightReach requirements.

Standard NTP Requirements

The fastest path to NTP is through the homeowner's web portal account. Web portal invites are sent simultaneously with the contract via SMS & 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 PII compliance reasons]

Item

Details

Web Portal Account Sign Up

  • Homeowners will complete all NTP requirements via their 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" -Or- SMS Link invite.

Click for visual

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

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 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

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 accounts

    • Voided check must be from bank and be associated with the customer/home

    • A bank statement may be uploaded in place of the voided check to verify routing and account number entered

Click for visual

Contract

The LightReach contract is sent to the homeowners email via DocuSign

  • DocuSign subject (may vary, not limited to): "Power Purchase Agreement - XYState" or "LightReach Lease Agreement - XYState"

  • Alternate signing option: Homeowners can sign the contract within their online portal account

Customer 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

Admin Stips

Installers will see the stipulation applied on the customer's Account in the LightReach portal, typically applied the next business day after a contract has been signed.

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 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 to be stipulated. The stipulation can only be deployed after the initial sale, typically the next business day after a contract has been signed.

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.
​
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. 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 or phone number. OTP (One time passcodes) are used for sign ins. No traditional password setup necessary.

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