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.

Nervous About Talking to a Loan Officer? We Understand.

"I'm worried my credit isn't good enough."

You don't need perfect credit to start. Some options may be available to qualified buyers with scores around 625. We'll help you understand where you stand without judgment.

"I don't have enough money saved."

You may not need a large down payment. Lowtility uses zero-down financing and available homebuyer-assistance programs to help qualified buyers purchase while keeping more of their savings.

"I don't want to be pressured into buying."

Your first call is simply a conversation. We'll answer your questions and show you what may be possible. If you aren't ready today, we'll give you a clear plan for getting ready.

Schedule My Free Homebuying Call

Your Simple Path to Homeownership

1

Schedule a short conversation

Tell us about your goals, income, current rent, and what has kept you from buying.

2

See what may be possible

We'll explain the zero-down and homebuyer-assistance options that may fit your situation. No hard credit pull is required for the first conversation.

3

Get your homebuying game plan

If you're ready, we'll help you take the next step. If you're not, you'll leave knowing exactly what to work on.

Schedule My Free Homebuying Call

How Can Someone Buy With a 625 Score and $2,500 Available?

Zero-down financing options
Available down-payment and closing-cost assistance
An experienced team that guides you from your first conversation through closing
Additional Lowtility program benefits when appropriate for the buyer and property

Not everyone will qualify, and every buyer's situation is different. But you shouldn't assume homeownership is out of reach until you know what options are available.

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

You Don't Have to Figure This Out Alone

If you have a credit score around 625 and approximately $2,500 available, let's talk. In one short conversation, we'll help you understand:

Whether buying may be possible now
Which programs could fit your situation
What your estimated price range and payment could look like
What to do next if you aren't ready yet

Free conversation. No pressure. No obligation. No hard credit pull required to start.

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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. 1597 Woodland Park Drive, Layton, Utah 84401