FAQ for Enium

Q: How can I contact an Enium Representative?

A: You can contact Enium using the following information:

⦁ Phone: (844) 500-9695 option1
⦁ Email: rm@enium.com
⦁ Text: 1 (385) 270-9146

Q: What are your hours of operation?

A: We are open Monday through Saturday from 7:00 am to 10:00 pm Mountain Time and Sunday from 8:00 am to 4:00 pm Mountain time.

Q: Why can't I access the portal to run an application?

A: Please make sure you are using the latest version of Google Chrome and the link "goenium.com" if your issue persists, please call us at (844) 500-9695 option1.

Q: When does the promotional period begin?

A: The promotional period begins the same day final funding is disbursed. This takes place after installation has been completed.

Q: My customer isn't ready to run an application, can we just call in to discuss finance details?

A: Absolutely! We are happy to answer any questions that you or your customer may have. Feel free to reach out to us anytime.

Q: Where can I access my customer’s information?

A: You can access your customer’s information by selecting the icon next to the customer’s name in the portal, see below for an example.

Q: I need to make an edit or add a co-borrower to the application, can I do that myself or does that have to be done by Enium?

A: It depends on the state of the application:

⦁If you have already submitted an application, and need to make an edit or add a Co-Borrower, please give us a call at (844) 500-9695 option1.
⦁If your application has not yet been submitted, any edits, including adding a Co-Borrower, can still be completed without contacting us

Q: What credit bureau does Enium use to qualify its applicants?

A: Enium runs soft and hard credit inquiries strictly through TransUnion.

Q: What property types will Enium offer financing for?

A: Enium offers financing options for a variety of property types:

⦁ Single family residence (SFR), multi-home units (under 5 units), and modular homes are acceptable for all Enium associated lenders.
⦁ Farm properties are acceptable as long as the solar is being installed on an (SFR) with a residential meter.
⦁ Please call Enium directly for guidance on financing for manufactured/mobile homes as the loan options vary from lender to lender.
⦁ Enium does not offer any financing for commercial properties.

Q: What stipulations do I need to collect from the customer prior to leaving their home?

A: Please be sure to gather the documents below from your customer while in the home:

⦁ Valid photo ID
⦁ Copy of solar contract
⦁ Verification of income (case by case basis)
⦁ Verification of title ownership or property type (case by case basis)

Q: How do I know if the applicant needs to verify income? What factors determine if they need to or not?

A: Whether or not a given applicant needs to verify income is determined on a case by case basis by an examination of the loan amount and the applicant’s credit score. The Relationship Manager will advise you if verification of income is required.

Q: What are acceptable documents for the verification of income?

A: Preferred documents for verifying income:

⦁ Pay stub from the last 30 days
⦁ W-2 from the most recent tax year

We also accept the following documents:

⦁ 1040's and associated schedules*
⦁ Social security statements
⦁ Disability statements
⦁ Retirement/Pension statements
⦁ 1099-R and 1099 MISC
⦁ Lease agreements for rental income

Keep in mind that monthly statements must come from the most recent month, and annual statements must come from the most recent year.

*Please also be aware that if submitting a 1040 for income purposes, all name(s) on the 1040 must also be on the loan application.

Q: How long do I have to upload stipulations?

A: You will want to upload all required stipulations as soon as possible so that they can be reviewed by Enium to address any issues with the documents and to avoid any funding delays. Loan applications remain open for 120 days, at which point the credit and application expire.

Q: How do I upload stipulations to the Portal?

A: Navigate to the Stipulations Tab in the Portal as shown below on the customers application and either drag and drop the document into the applicable section, or click to upload.

Q: Why is the request funds button not highlighted for me to request funding?

A: The “Request Funds” button will be available when the 3 day right of rescission is over. The 3 day right of rescission ends 3 business days after the loan documents are complete.