You May Be Closer to Owning a Home Than You Think

Have a 625 Credit Score and $2,500 Available?

You may already have what it takes to begin your path toward homeownership. Our team helps everyday buyers use zero-down financing and available homebuyer-assistance programs to make buying a home simpler and more attainable.

See What's Possible for Me

No application or hard credit pull is required for your first conversation. No cost, pressure, or obligation.

Let's start with where you are today

A few quick yes-or-no questions so we know where you're starting from.

Question 1 of 12

Takes about a minute. No pressure, no obligation.

Don Worthington, Lowtility branch leader

New to Lowtility? Start here.

In under two minutes, Don explains what Lowtility is and why we look at home buying a little differently, starting with something most lenders skip: your power bill.

Have questions? Talk with us Watch on YouTube

Lowtility is a program of Primary Residential Mortgage, Inc. NMLS #3094. Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval and underwriting guidelines. Program availability, terms, and out-of-pocket costs vary by borrower and property.

Nervous About Talking to a Loan Officer? We Understand.

"Is my credit even good enough for this?"

You don't need perfect credit to start. Some options are available around a 625 score. We'll help you see where you actually stand.

"Okay, what's the catch?"

No catch, just math: bundling in solar lowers your bill, which frees up room in your budget. That's the whole trick.

"I don't even want solar — why are you bringing that up?"

It's not about going green. It's about the math — a lower bill means more room in your budget. That's the only reason it's part of this.

Schedule My Free Homebuying Call

Your Simple Path to Homeownership

1

Answer a few quick questions

About a minute of simple yes-or-no questions so we understand where you're starting from.

2

Book your free call

Pick a time that works for you. No cost, no pressure, and no hard credit pull required.

3

Get your homebuying game plan

Walk through your real options on the call, and leave knowing exactly what to do next.

Schedule My Free Homebuying Call

Imagine What Owning Could Make Possible

  • Building equity in a home of your own
  • Creating greater stability for your family
  • Personalizing your space without asking a landlord
  • Turning your monthly housing payment into something that belongs to you

Your first step isn't applying for a mortgage. It's finding out what's possible.

See If I'm Closer Than I Think
What Is Lowtility?

Stop Renting. Start Owning.

Without draining your savings to do it.

Lowtility bundles your mortgage, down payment assistance, and solar energy into one loan. No second mortgage. No solar lease. No hidden fees.

$0 down, $0 to close

Lowtility DPA covers up to 5% of your purchase price. Keep your savings in your account.

Your house makes its own power

Solar + battery backup rolled into the mortgage. Your utility bill drops to near-zero from day one.

Qualify for more home

No utility bill = more money toward your mortgage. Get the home you actually want, not just what's left over.

One loan. That's it.

No second mortgage, no solar lease, no lien. Everything bundled into a single, simple payment.

Holding keys to a new home
Real people. Real savings.
Why It Works
$0
Down payment
$0
Cash to close
No income limits
625+ credit score
Any location
First-time or repeat
All in ONE loan — no catches.

What Our Homebuyers Are Saying

about lowtility

See What our happy customers had to say about their experience.

Real Numbers

See What Lowtility Looks Like
for Buyers Like You

Two real scenarios. Zero fluff.

Two real scenarios showing how Lowtility changes the math on homeownership.

The Garcia family
First-Time Buyer

The Garcias

$350,000 Home · 580 Credit Score
Traditional With Lowtility
Down Payment
$12,250
$0
Cash to Close
$8,500
$0
Monthly Utilities
$275
~$35
Total Monthly
$2,620
Total Monthly
$2,553
Monthly savings
$67/mo
$804 saved per year
$0 out of pocket to close
The Johnson family
Move-Up Buyer

The Johnsons

$430,000 Home · $465/mo Utility Bill
Traditional With Lowtility
Down Payment
$15,050
$0
Cash to Close
$10,200
$0
Monthly Utilities
$465
~$35
Total Monthly
$3,143
Total Monthly
$3,143
Same monthly cost, but
+$41,000
in additional buying power
$0 out of pocket to close

*Examples are illustrative and based on approximate figures. Actual rates, payments, savings, and eligibility vary based on credit profile, location, loan program, and current market conditions. This is not a commitment to lend. PRMI NMLS 3094. Equal Housing Lender.

Lowtility white roof logo with a small orange sun

© 2026 Lowtility by Primary Residential Mortgage Inc. All Rights Reserved.

Lowtility is the name of a suite of mortgage loan programs designed to allow qualified borrowers to make home energy improvements to their home. It is not affiliated with a utility company or a DBA. Primary Residential Mortgage, Inc. NMLS#: 919520 Utah DRE Mortgage Office License # 8335595. MLO 0117736. MC3094-122. All loans subject to credit and property approval. PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. 1480 N 2200 W, Salt Lake City, UT 84116