The Home Loan
For People Tired of Wasting Money on Utility Bills...
Lowtility is the mortgage that goes after the energy bills driving up the cost of owning a home. How? By rolling energy upgrades into the loan and turning unpredictable utility bill into a lower, more efficient monthly cost.
A Home That Costs Less
Less Waste. More Control.
Stop Overpaying the Utility Company
We Get It...
Energy efficiency sounds smart, but paying for it feels out of reach...
Most people think adding energy upgrades will raise their monthly cost, not lower it.
Homeowners want lower bills, but don’t have the cash to fix what’s driving them up.
Energy upgrades stall because they require cash most homeowners don’t want to spend.
Utility bills are turning affordable homes into financial stress.
Most homes are financed as if energy costs don't matter,
even though they show up Every Month
Traditional mortgages focus on the purchase price,
but ignore what it actually costs to run the home.
That’s the gap Lowtility was built to fix.
It’s a home loan designed around
the true cost of owning a home
(Mortgage Payment AND the Utility bills)
Instead of financing a home and ignoring energy costs,
Lowtility combines both together.
How Lowtility Changes the Math
Lowtility treats energy like part of the home—not an extra expense.
Instead of asking homeowners to pay cash for energy upgrades later, Lowtility allows
those upgrades to be financed as part of the mortgage.
The result is simple:
The home becomes
more efficient
Utility bills Go down
Total Monthly Costs
Often Improve
What makes Lowtility
Different?
Energy upgrades are planned upfront, not postponed
Utility waste is addressed instead of ignored
Monthly costs become more predictable
The home is cheaper to own over time
This isn't about adding features.
It's about removing wasted money.
It Sounds Backwards at First...
But when the energy savings are larger than the added loan cost, the math starts working in the homeowner’s favor.
That’s when an “affordable” home becomes a "sustainable" one.
Want to see if this works for Your home?
A quick conversation can show whether lowtility makes sense for your situation.
Equal Housing Lender. Credit and collateral subject to approval. Program terms vary.
What Changes with Lowtility?
When energy costs are designed into the loan, the impact shows up NOW, and grows over time.
Short Term
Results
Lower Total Monthly Housing Cost
Many homeowners see utility savings that offset more than the added loan payment.
More Predictable Bills
Energy costs are reduced and stabilized instead of fluctuating month to month.
Less Waste. More Control.
Money stops leaking to the utility company and stays working for the home.
Long-Term
Benefits
Protection from Rising Power Costs
As utility rates continue to climb, the value of energy savings grows over time.
More A Home that Get's Cheaper to Own Each Year
Efficiency improvements keep paying you back long after they're installed.
Stronger long-term affordability
Money stops leaking to the utility company and stays working for the home.
** Results vary by home, usage, and location.
energy efficient upgrades you can wrap into your mortgage:
Solar
Batteries
Smart home panels
Energy Efficient Appliances.
Energy efficient Water Heaters.
Tankless water Heaters
HVAC
Insulation
Windows
Doors
Geo Thermal.
Led Bulbs
Window film or Cellular shades
Duct sealing
Ceiling fans
Heat Pump
Mini splits
Lower Utilities = Lowtility.
**The energy upgrade is done as an Escrow Holdback. Meaning your home purchase or refinance is funded, the money is set aside for the work to be completed after. For Home buyers specific: The seller doesn’t have to approve or authorize any of the energy improvements.
Here's a real clients story...
Before
Lowtility
After
Lowtility
The mortgage payment increased slightly.
Utility bills dropped significantly.
The result: A home that costs less to own now—and becomes more affordable as energy prices rise.
** Results vary by home, usage, and location.
Who is Lowtility for?
Anyone dealing with High Energy Bills that makes homes hard to afford:
Homebuyers
Buying a home without draining savings
You care about the full monthly cost, not just
getting approved.
Homeowners
Tired of Rising Utility Bills
You want a home that costs less to own, not more over time.
Real Estate Agents
Helping buyers qualify and close
You need real affordability solutions that move deals forward.
Builders& Developers
Delivering homes that perform better
You want differentiation without cutting margins or adding risk.
Solar Professionals
Efficiency works - but financing gets in the way
You need a homeowner-friendly way to pay for upgrades.
What Homeowners say
about lowtility
See What our happy customers had to say about their experience.
After servicing over $100 billion in mortgage loans, we saw the same problem over and over.
Solar & Energy Efficiency Work...
The Way They've Been Financed, Hasn't.
For years, homeowners have been pushed into solar loans and leases with:
Inflated finance fees
Confusing terms
Restrictions when selling or refinancing
Extra liens on their homes
Payments that don’t actually lower total monthly costs
That’s why many people hear “solar” or “energy upgrades” and immediately think risk.
They’re not wrong
Lowtility is not a solar loan
It supports energy upgrades that reduce operating costs and are structured to protect:
Affordability
Flexibility
Resale and refinance options
The goal isn’t to sell equipment.
It’s to lower the total cost of owning a home.
What happens next?
You don't need to decide anything today.
And you don't need to commit to anything upfront.
The next step is simply to see if Lowtility makes sense for your situation.
A short conversation can help determine:
Whether energy upgrades could lower your total monthly cost
What options might be available for your home or purchase
If this approach fits your goals now or later
If it does, great.
If it doesn’t, you’ll still leave with clarity.
Built for real people and real budgets
A Proprietary Mortgage Product
Works within standard underwriting
Designed for long-term affordability
Equal Housing Lender. Credit and collateral subject to approval. Program terms vary.
Before vs After
How the Math Changes
When energy costs are designed into the loan, the impact shows up NOW, and grows over time.
Before Lowtility
Mortgage payment looks affordable
Utility bills are separate and unpredictable
Energy waste stays hidden
Upgrades feel too expensive to fix
Total monthly cost keeps creeping up
Homeownership feels harder than expected.
After Lowtility
Energy upgrades are built into the home loan
Utility bills drop and become more predictable
Waste is reduced instead of ignored
Monthly costs are designed together—not separately
The home costs less to own over time
Homeownership feels more stable and manageable.
The key difference:
Traditional financing ignores energy costs.
Lowtility designs for them.
** Results vary by home, usage, and location.
Ready to see how Lowtility works for you?
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© 2025 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
