• Soft credit check at pre-qual, hard credit check only after borrower signs
• To use Dividend, use the single page application page located here. Once the customer passes the credit check, they will get a link on the screen prompting them to generate loan docs.
• Accepts household income if two people are married or legal domestic partners
• Dividend requires debt to income of 60% or less (based off household income)
• Proof of income not required on 8/10 borrowers
• Max price per watt on solar is $6, solar plus battery is $7. However, you can obtain a .50 per watt exception on either if needed. Roofing and other improvements can be included if under 15% of loan amount. If exception is needed, call your Dividend Account Director at 858-252-6951 or the Dividend Call Center at 844 805-7200
• You cannot use Dividend to finance a solar system on a house that already has solar if there is an existing UCC-1 filing on the home. If they already have solar and it's paid for already (no UCC-1 pending), then the add-on system is okay in certain situations
• Fico needed? 660
• Minimum household income: $40,000
• There is no lien on the home, just a UCC1 filing
• There is no prepayment penalty
• Auto max loan amount is 50% of household income or $130,000 if household income is above $260K
• If the loan request is over $65k and the borrower qualifies due to household income, call Dividend Call Center (844) 805-7200 or your Account Director once you have had homeowner complete credit check so they can manually review approve the amount you need. This should only take a few minutes
• For any loan over $65k, income verification required
• The first payment due date is approximately 60 days after installation. The date is triggered by the funding date of the project (ie when Gold Rush submits for final funding)
• No "primary residence" requirement. As long as the customer is on the deed of the home and they "live" in the home (i.e., vacation home), they are good.
• The homeowner can make payments to Dividend via the Dividend Homeowner Portal
• Bankruptcies must have been cleared a minimum of 5 yrs prior to applying for the loan (2 years on some Dividend products)
• Payments for the first 16 months are a mixture of interest and principal (not interest only). Optional re-amortization happens at 16 months or prior if the borrower applies ITC equivalent prior to 16th month
• Need help with the credit check process? Call 844-805-7200 or Account Director between M-F, 630am until 6:30 pm or Sat 8:30 till 5pm.

Loan And Credit Requirements

• At least one borrower must be on title
• Minimum $10,000 Per system

Co-Borrower

• Customers can add a co-borrower to meet the DTI requirements
• Both borrowers must meet all of the credit requirements
• The primary borrower needs to be on title
• The co-borrower does NOT need to be on title

Approved Property Types

• Owner-occupied primary or secondary homes
• Single-family residences
• Multi-family residences (duplexes, triplexes, 1-4 units), Borrower must be a resident
• Townhomes, rowhomes
• Modular homes
• Trusts: borrower is a trustee
• Ground mounts
• Farms/Agricultural land if borrower is a resident and the utility rate code is residential

Unapproved Property Types

• No Condos
• No mobile/manufactured homes
• No investment properties
• No multi-family homes with 5+units
• No commercial properties
• No LLC's

Loan Features

• No prepayment penalty
• No lien on the home UCC-1 is filed on the system
• Reamortization at the 17th payment
• Fixed APR, even if prepayment is not made by the 17th payment
• Customer can pay more than their monthly payment to reduce total balance
• Non-solar work can be up to 15% of the loan amount
  • Work related to the solar project (tree trimming, electrical work, partial re-roofing)
  • Small home efficiency upgrades (Thermostats, efficient light bulbs)
• Customer can also finance solar and battery together
• First payment occurs 60 days after installation even if system is not producing electricity
• Sunlight loan docs and welcome call are in English only.  Customers that do not speak English are not eligible to use Sunlight.

Max Pricing

• Solar Only: $6/watt
• Solar and non-solar add-ons: $6/watt
• Solar and battery: $10/watt
• Solar plus roof loan: $10/watt (this is a unique loan product; see below)

• Minimum FICO is 650
• Proposals are made by Sunrun directly and not by the Gold Rush Energy proposal team
• You will see the EPC payout on any given project in the Sunrun portal only after the Sunrun proposal team has made the original layout.
• There are both conventional PPA’s as well as the option for a prepaid PPA
• Important Note: When you close a deal with Sunrun, there is no notification given to our internal staff by Sunrun. It is up to you to notify support@goldrushenergy.com of a deal you have closed

You have four options with Fortifi as detailed below.  Note, the rates/fees detailed below are good for any length of loan term (between 5 to 30 year loan term):

• 5% dealer fee to get a 5.99% interest rate.  Dealer fee added to our purchase price similar to any other conventional loan.
• Get the 5.99% interest rate. But instead of us padding our price for the dealer fee, the 6% program fees charged to the customer by Fortifi would increase to 11.99%.  This is referred to as a PO Buydown.
• 8% dealer fee to get a 4.99% interest rate.  Dealer fee added to our purchase price. This loan can only be used for Solar projects or solar+roof; no other products can be sold with this rate.
• Get the 4.99% interest rate. But instead of us padding our price for the dealer fee, the 6% program fees charged to the customer by Fortifi would increase to 14%.  This is referred to as a PO Buydown.  This loan can only be used for Solar projects or solar+roof; no other products can be sold with this rate.

• To get a Fortifi account or get help using your account, please contact Louis Jasso at 916-726-7129
• From time to time, Fortifi runs various promotions that may not be indicated on this page. Please contact support@goldrushenergy.com to inquire as to any such promotions running at this time.
• May include any components (roof, windows, hvac, et) that helps with energy efficiency.
• Loan terms can be 5, 10, 15, 20, 25 or 30 years
• To qualify, there must not be any involuntary liens on the home greater than $1,000.
• Can finance both commercial and residential projects
• Like all PACE financing products, everyone on title must sign finance docs

Would your customers like all documents electronically instead of by paper? If so, than all property owners on title will need to wet sign this form (Spanish version here) indicating that they choose to opt-out of receiving the Financing Estimate and Disclosure in paper and choose to receive documents in an electronic format.

Please upload a picture or scanned version of the signed form to the FortiFi system.

A copy is also available at www.fortifi.com/resources.

Once all loan documents and solar agreement have been signed, please send a copy of the utility bill for this customer as well as any pictures of the home or main service panel to support@goldrushenergy.com.

• Owns their home or property.
• Technology early adopter
• Needs a new roof
• Interest in solar power
• Interest in saving money on their power bills.
• Disqualifier: can't install on flat or roofs greater than 12:12