Dividend – JoinESP

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Dividend PPW Caps
- Solar Only: $6.50
- Solar Plus: $10.50
  - 50% Non-Solar Threshold
- Battery: $2.50 added to any solar project
Dividend Allowable Adders
- Roofing
- Electrical
- Ground Mount
- Battery
Credit Requirements
- 660-699 Fico: $65k loan amount
- 700+ Fico: $120k loan amount
- 700+ Fico: $150k loan amount
  - Manual approval required
Application Requirements
- Basic Contact Info
- Last 4 of SSN
- Annual Income / Combined Household is allowed
- Mortgage Statement
- Date of Birth
- No Co-Applicants
- No Welcome Call (*unless 75+ YRS Old)
Property Requirements:
- Primary or secondary residence
  - No Rental Properties
- Dividend will finance trusts, LLCs, and mobile/manufactured homes
- Primary borrower must be on title

Up to 3 re-amortizations across all loans
First ream at month 16 or when 30% of the principal has been paid off
2 additional reams available upon request - $1000 principal payment required
Integrated into 3rd party proposal tools
Always a soft credit check with initial prequalification – hard inquiry after install
$40k minimum household income
All loans transferable
No pre-payment penalty
First payment 60 days after install is complete/job funded
Loan secured via UCC-1 – no lien on borrower’s home
Bankruptcies – discharged no less than 2 years ago

Changes to the loan price and terms can be done by a Sales Representative through the Dividend portal. Please note we can not process Change Orders 5 or fewer days before installation.
If you are unable to make a change order through the partner portal, please call or chat into ESP sales support
All changes to personal information can only be changed by contacting the Dividend Partner Phone Support line.