The Only Home Loan That Makes Moving In & Staying In Affordable
$0 down, $0 closing costs, and energy efficient home upgrades built into your mortgage — so you spend less to get in and less every month after.
Homeownership Is Broken — Twice
Most people face two impossible cost barriers. The price to get into a home. And the price to stay in one.
The cost of getting in
- × 3-5% down payment ($10k-$25k+)
- × Closing costs add another 2-5%
- × Most DPA programs go unused
The cost of staying in
- × Mortgage payment stretches you thin
- × Energy bills run $200-$400/mo on top
- × Insurance and taxes keep climbing
I want to own a home, but I just can't see how I'd afford it
This is what we hear every day — and exactly what Lowtility was built to fix.
We Built Lowtility to Fix Both Problems at Once
Lowtility is a specialty mortgage program that helps you get into a home for less — and stay in it for less every single month.
We talk to families every day who feel priced out of homeownership
You've done the math. You've checked the rates. And every option still feels just out of reach. That's not a failure on your part — it's a broken system. Lowtility was built because we believe no one should have to choose between owning a home and affording to live in it.
My clients were two days from closing when their builder's lender suddenly declined the loan. They were devastated. Don at the Lowtility group at PRMI answered the phone at 8 PM, jumped into action, and got my buyers closed in under two weeks. His team actually saved them money in the process. Who you choose as your lender matters — call Don and his team first.Licensed Realtor — Verified client referral
What Is Lowtility? (35 Seconds)
The fastest way to understand how $0 down, $0 closing costs, and lower bills actually work.
Three Steps to a Home You Can Actually Afford
No surprises, no runaround. Here's exactly how it works.
See Your Estimated Savings
Answer a few quick questions and instantly see your estimated total monthly cost — mortgage, taxes, insurance, and utilities combined.
Get Your Real Numbers
Book a free call and we'll run your exact scenario — real rates, every DPA program you qualify for, and energy savings specific to your home.
Move In for Less
Close with $0 down, lower upfront costs, and built-in energy upgrades that keep your monthly bills down from day one.
Our Promise to You
We'll never pressure you, never pull your credit without permission, and always show you every program you qualify for — even if it means a different loan is a better fit.
Two Very Different Versions of Your Future
The path you take right now changes what homeownership looks like for years to come.
You keep paying more than you have to
- Drain your savings on a down payment
- Miss DPA programs you never knew existed
- Get stuck with $300+/mo utility bills on top of your mortgage
- Feel house-poor from month one
- Wonder if you made the right call
You move in confident and in control
- Keep your savings where they belong — in the bank
- Stack every DPA and closing cost program available to you
- Cut utility bills with energy upgrades built into your loan
- Actually enjoy your home without stressing over payments
- Know you got the best deal possible
See What Lowtility Looks Like
for Buyers Like You
Two real scenarios showing how Lowtility changes the math on homeownership.
The Garcias
The Johnsons
*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.
What our Customers say
about lowtility
Don't take our word for it — hear from homebuyers, homeowners, and agents who've worked with the Lowtility team.
Backed by One of the Largest
Mortgage Lenders in the Country
Lowtility is built by experienced mortgage professionals and powered by PRMI — a nationwide lender with billions in annual originations and dozens of industry awards.
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend.
Ready to Own a Home You Can Actually Afford?
Find out in 2 minutes if Lowtility can lower your upfront costs, cut your monthly bills, and help you keep more money in the bank.
Get My Free AnalysisLowtility Works for More Than Buyers
Whether you're refinancing, upgrading, closing more deals, or going solar — Lowtility meets you where you are.
Homebuyers
$0 down, $0 to close, lower bills — and up to 5% in DPA. This is how you stop renting.
Homeowners
Refi with a 5 Day HELOC, add solar, or lower your rate. Make your house work harder for you.
Real Estate Agents
Buyers who qualify for more home buy more listings. Move stale inventory — without cutting price.
Solar Reps
Help homeowners refi old panels or go solar for the first time — financed through the mortgage, not a lease.
Got Questions? We've Got Answers.
The five things most homebuyers want to know before getting started.