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A Mortgage that Saves You Money and Powers Your Home with Solar

Are you ready to own an energy independent home?

SAVE MONEY

UPGRADE YOUR HOME

SIMPLIFY YOUR LIFE

Rising Energy Costs

make homeownership

MORE EXPENSIVE

Old Mortgage Thinking ignored Utility Costs.

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is Rethinking Mortgage Lending

An Energy Efficient Home

is a MORE AFFORDABLE

HOME

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Can Turn Any Home into an Energy Efficient Home

A Mortgage Program that lets HomeOWNERS and HomeBUYERS include SOLAR PANELS and SMART HOME TECHNOLOGY into their MORTGAGE.

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(We Lend Above the Appraised Sales Price)

As a Company that has Lent Over

$100 Billion in Mortgages...

We've Learned

Solar is great, But Traditional

Solar Financing is BAD.

Common Complaints

about Solar Leases

When you lease solar....

Solar Companies attach a Lien to your house.

(They can foreclose for non repayment)

Your renting your power now from a finance company.

Your lease payments will still rise.

Leased solar Does not increase the value of your home.. (why? You don’t own it, you're renting it!)

NO tax advantages

Selling or Refinancing your home requires Permission from the lease company.

You'll pay 3X to 4x the true cost of solar.

Common Complaints about

Solar Loans

When you get a loan for solar....

They'll charge you a Dealer Fee that raises the cost of solar 30%- 40% (on average thats $15,000 of junk fees).

The loan will show up on your Credit as a Mortgage.

Solar Won’t / Can’t increase value of your home until the loan is paid off.

Solar Companies attach a Lien to your house.

(They can foreclose for non repayment)

You have to get permission to sell or refinance- at the discretion of the finance company.

The Finance company needs you to pay them your Tax Credit.

We Created a Better Way to Add Solar to Any Home

When included in your mortgage

  • ✅ No Upfront costs for customers

  • ✅ No dealer fees

  • ✅ No additional finance payment for solar (included in mortgage payment).

  • Your old power bill goes to paying down your mortgage

  • Build equity

  • Pay off old or existing solar financing

  • ✅ Homeowner keeps any tax credits

  • ✅ Pay off debt (refinance)

  • ✅ No additional liens

  • ✅ Sell or refinance without additional approval required

  • ✅ Increased home value

With an Energy Bundle added to your Mortgage

from one of our approved vendors,

Watch Your

Two arrow icons demonstrating that utility payments drop more than the mortgage payment goes up.

The needs of homebuyers are changing.

We're Changing with it.

Comparison chart showing benefits of a Lowtility Mortgage vs traditional mortgage, including cheaper monthly payments, tax credits, and solar financing options

Include One of

The Energy Bundles

When You Buy or Refinance Your house

Utah home surrounded by mountains, eligible for Lowtility's mortgage and solar loan options

Energy

Independence

Package

What's included?

  • 10 KW Solar System

  • Smart Inverter to give your home a brain

  • Comprehensive warranties to give quality and peace of mind.

Utah home surrounded by mountains, eligible for Lowtility's mortgage and solar loan options

Power Plant

Package

What's included?

  • 10 KW Solar System

  • EV Charger to charge your EV at home.

  • Smart Inverter to give your home a brain

  • Battery Backup to store excess solar energy.

  • Home Automation System to optimize energy use for year round comfort.

  • Comprehensive warranties to give quality and peace of mind.

Utah home surrounded by mountains, eligible for Lowtility's mortgage and solar loan options

Peace of Mind Package

What's included?

  • 10 KW Solar System

  • Natural Gas generator to backup power for power outages.

  • Smart Inverter to give your home a brain

  • Home Automation System to optimizee energy use for year round comfort.

  • Comprehensive warranties to give quality and peace of mind.

And you could still pay less every month!

NEW GRANT!

Downpayment Grant Available

When you buy a house and add solar with Lowtility!

Young couple smiling and cooking together in a modern kitchen, enjoying their new home after getting a Lowtility mortgage

🚨WARNING🚨

Buying solar after you move in or from a door to door company could cost you 3 to 4x the cost of solar.

Theres a reason the CFPB and Department of Finance issued

warnings on solar financing!

Consumer Financial Protection Bureau report headline from August 2024 stating lenders are adding markup fees and confusing terms to solar energy loans
Cover page from the Center for Responsible Lending titled 'The Shady Side of Solar System Financing' urging consumer protections in residential solar lending, July 2024
Cover of Summer 2024 article titled 'Nine Critical Issues in Solar Rooftop Leasing' by Jennifer Connelly

OUR MISSION

1 - Make Homes More Affordable

2 - Make Your Life More Convenient

(Smart Home + Energy Management)

3 - Protect Home Buyers from Predatory Solar Loans & Reps

Step 1

Schedule a Call

Let’s discuss your home and energy needs.

Step 2

Explore Financing Options

Discover mortgage and grant options tailored for you.

Step 3

Choose Your Energy Package

Select the renewable energy solution that suits you.

Our goal is...

End Overpaying for Utilities and Complicated Financing

We understand your frustrations with homeownership.

Buying a home should be simple and enjoyable, yet rising utility rates and complex solar financing make it overwhelming. We’re here to transform your home buying experience by providing renewable energy solutions alongside a mortgage. With our transparent financing, you’ll gain energy independence, lower your overall costs, and access tax incentives, allowing you to enjoy a smart home life.

We're Here to Help You Succeed!

See What 3,500+ of our happy customers had to say about their experience.

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Ready to start saving money?

Talk to a Lowtility Team Member today!

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© 2024 Lowtility. 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. 1165 East Wilmington Avenue, Suite 250 Salt Lake City, UT 84106