PROVIDER WORKFLOW
Climate First
Loan application, signed documents, NTP and staged funding through OneEthos.
Check eligibility before you quote
DNQ means “does not qualify.” These are screening notes, not an approval. Checked October 1, 2026. Unknown items stay in review.
Markets & utilities
- Start in Origin’s Enerflo account and confirm that the state and product are enabled for the specific address. A verified current nationwide state list was not available in the public guidance reviewed.
- OneEthos requires the installer’s current state registration and applicable contractor licenses before adding states to its profile. Origin’s FL/OH operating area alone does not establish lender eligibility.
Property requirements
- Residential borrower and property ownership records must match. The customer must own the financed solar equipment.
- Manufactured homes may qualify when the customer owns both home and land and the local building department permits solar.
- New construction: appraiser records must identify a home; if still vacant land, provide a certificate of occupancy. Installation is expected within six months of loan signing.
DNQ / stop and review
- LLC/business-owned properties are ineligible for the residential program, even when the applicant lives there. Business-vehicle trusts are also excluded.
Conditional items
- Confirm ground mounts, nonstandard buildings, trusts and commercial projects with the lender; residential rules are not commercial approval.
- PV pricing cap: $3.75/W, excluding approved adders; Tesla Solar Roof is excepted. Roofing ≤45% of total project cost; HVAC ≤30%; bundled storage ≤75% of solar cost and ≤$1,500/kWh. Confirm current quote rules.
- Residential solar requires at least $10,000 toward PV. Battery-only lending is a separate product; do not apply the PV minimum to it. Loans above $350,000 require additional documentation.
Customer & credit requirements
- Minimum 680 FICO (Equifax), debt-to-income ratio no more than 50%, and income verification for every application.
- Cosigners are allowed and must meet underwriting requirements and provide their own documentation. Prequalification is not final approval.
Sources and current policy links
STEP 1
Start the loan application
Start the Climate First sale in Origin’s Enerflo account and send the provider application through the configured flow. The homeowner completes the lender’s application and requested verification directly. Keep the project’s provider reference in the Origin packet.
STEP 2
Complete the contract and loan documents
Follow the project’s Needs Action checklist. Upload the requested contracts, address flagged document issues, and submit for review. An upload alone is not submission. The homeowner signs the loan documents; bank processing follows.
STEP 3
Wait for issued NTP
Confirm the portal explicitly shows Notice to Proceed Issued for solar only or solar and roof. Signed loan documents alone do not show that NTP has been issued. Attach the release evidence for Origin review.
STEP 4
Submit each funding package
Use the current stage’s checklist for roof funding when applicable, then Phase 1 and Phase 2. Correct flagged uploads or respond to the review feedback before submitting. A pending funding review is not a funded status.
STEP 5
Close out installation
Use OneEthos’s Installation Completion Report instructions for the project details, photos and commissioning evidence. Confirm final funding status and resolve any outstanding change order.
The Origin handoff — for every provider
Submit customer and rep details, scope, adders, the signed agreement, utility bill, finance/lease documents, survey status, applicable battery acknowledgment and permit paperwork. Name an owner and follow-up date for anything missing.
Complete the Origin welcome call and retain its reference. Use the project walkthrough for survey, signatures and QAQC. Origin reviews completeness before QAQC; provider approval, Origin NTP and commission review are separate checkpoints.