LightReach Installer Support

The LightReach New Homes Program credit process is designed with flexibility in mind for builders and homeowners.<b> For the New Homes Program, Credit does not need to be run until the M1 Installation Milestone.</b>

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A	Credit Requirements	Credit check for the New Homes Program is a step that gathers data, meaning that while credit must be ran, it will not be rejected outside of extenuating circumstances. Must be completed for M1 Installation Milestone Can be ran anytime during M0/M1
B	Credit Validity	Credit valid 180 Days from initial run Once contract is executed, credit does not expire.
C	Credit Application Requirements	Full Name & Basic Contact Information Full SSN is required ITIN number can be run in place of SSN if homeowner does not have an SSN (if customer has neither, please contact our Certified Installer Support team for assistance)
D	Signing Requirements	An email account Contract fully signed & executed in correct, full legal name

A	Soft Credit Check vs Hard Credit Check?	All New Homes Program plans feature a soft credit check. This means that there is no impact to the homeowner's credit score. Additionally, the Lease/PPA does not report as debt.
B	Credit Results: Decline	For the New Homes program, this credit result will complete the credit check step and satisfy the credit requirement.
C	Credit Results: Applicant Not Found or Error	Special characters in the application will result with an error. [ie: commas, periods, asterisks, hyphens, etc.] Using periods in the city name will cause an error. Acceptable: "St Petersburg" or "Saint Petersburg" Unacceptable: "St. Petersburg" After errors have been identified and corrected, conduct an additional credit check
E	Co-Applicants allowed?	Co-applicants are permitted
F	Who will receive the credit application email?	The application email will be sent only to the Primary Applicant.
G	Palmetto LightReach Reserved Right to Cancel	LightReach reserves the right to cancel files which do not achieve installation after an extended period of time--technically 115 days or longer. LightReach does not actively enforce this, barring extreme circumstance with the Certified Developer (reference 6.1.5) Internally, this relates to our capital providers and funding allocation caps. In short, capital is committed/allocated when a contract is signed. If we, for example, had a bad-actor-CD sign 100 customers, and after 200 days, nobody was installed, this could prevent us from allocating those funds to other, actually valid transactions. While this scenario is an extreme fringe scenario, and would likely be dealt with at a portfolio level, it's important for anyone operating at a CD level to have this internal knowledge in back of mind as it pertains to the question of credit validity. Cancellation Notifications are sent via email to the customer whenever an account is cancelled (post NTP but pre install) in the finance portal