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 sale requirements. Per our Freedom within the Framework platform policy: It is the responsibility of the installer to ensure that the site and installation meet all requirements detailed at help.palmetto.finance.
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 |
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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
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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:
For Properties owned in a Trust/LLC:
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ACH | All homeowners must complete ACH. The homeowner web portal is the secure option to upload the banking information
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Contract | The LightReach contract is sent to the homeowners email via DocuSign
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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.
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Sales Rep ReCheck Verification | ReCheck verification required for all sales reps.
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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)
Sign in to their home.palmetto.com account
Open the Key Contract Details Review task
Review the information, check the boxes, "sign" & submit.
Upon completion, the stipulation will automatically clear
This stipulation has a similar look and feel to our standard Customer Agreement Confirmation 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 | Example Docs | |
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. |
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.
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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: 1) Name and/or address on document must match account 2) FULL account number 3) Routing number 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. |