A Mortgage that Saves You Money and Powers Your Home with Solar
Bundle solar, reduce utility bills, and save monthly — all in one smarter mortgage.
SAVE MONEY
UPGRADE YOUR HOME
SIMPLIFY YOUR LIFE
The Hidden Cost of Homeownership:
Your Utility Bill
Did you know your energy bill could cost you more than your mortgage interest over time?
While most home buyers fixate on purchase price and interest rates, skyrocketing utility rates are quietly draining budgets every single month. In many states, energy costs have increased by over 20% in the last few years—and there’s no sign of slowing down.
🔍 Let’s break it down:
● Average monthly utility bill in the U.S.: $350+
● That’s over $4,000 a year—on top of your mortgage payment
● In 10 years? $40,000 or more...gone.
⚠️ Rising Utility Rates = Less Home Affordability
As utility prices go up, your “affordable” home becomes harder to maintain. Traditional lenders don’t consider your energy costs when qualifying you—but
you still have to pay them every month.
Homeownership Shouldn't Be Expensive
Let’s simplify your mortgage, cut utility costs, and put money back in your pocket.
Most homebuyers don’t realize just how expensive utilities and outdated financing can be.
At Lowtility, we bundle solar and smart home upgrades into your mortgage—helping you save on bills, qualify for tax credits, and build real value in your home.
It’s everything you wish traditional lenders offered—but don’t.
We Created a Better Way To Finance a House
Smarter Monthly Payments
● No upfront costs
● No dealer or hidden fees
● Solar is included in your mortgage - no extra loan
Real Monthly Savings
● Your old power bill now helps pay off your home
● Keep your tax credits — they’re
yours, not the lender’s
● Pay off high-interest debt or existing solar loans
More Flexibility & Freedom
● No additional liens
● Sell or refinance without approval from a solar company
● Build equity and increase your home value
is A Smarter Mortgage for Today's Energy Reality
We Help Homeowners
Reduce their energy
bills by integrating
solar upgrades
Eliminate high-interest debts that drain monthly cash flow
Lock in long-term savings on both mortgage and utilities
Imagine saving $500+ a month without changing where you live - just how you finance it.
Here's the truth
Your Mortgage Should Work Smarter - Not Harder
We’re not just thinking about your home loan… We’re looking at your whole home economy.
What If You Could Swap Your Utility Bill...
For Something That Actually Builds Equity?
With a Lowtility Mortgage, you bundle energy upgrades like solar and smart home tech right into your loan - so instead of throwing money at rising utility costs, you're paying off your home faster and saving more each month.
⬇ Lower Utility Bills
Smart energy upgrades drastically reduce your power costs, without sacrificing comfort.
✅ Net Monthly Savings
✅ You Keep the Tax Credit
⬆ Slightly Higher Mortgage Payment
But it's rolled in. No extra loans. No dealer fees. And you're actually building value.
✅ More Equity in Your Home
✅ Simple, Transparent Financing
The Lowtility Difference
We combine solar + mortgage into a smarter solution that:
Eliminates Junk Fees
Qualifies You For Tax Incentives
Increases Your Home Value
Simplifies Your Finances
Saves you money Every. Single. Month.
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.
+
+
=
(We Lend Above the Appraised Sales Price)
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.
We're Here to Help You Succeed!
See What 3,500+ of our happy customers had to say about their experience.
Lowtility Success Stories
Maria & James
Goal:
Buy their first home with the lowest upfront costs possible
Challenge:
They had a decent credit score but only a small amount saved for a downpayment. They also wanted to lower their monthly expenses since utility rates in Utah were climbing fast.
Solution:
Maria and James qualified for Lowtility’s down payment assistance and were able to include solar in their mortgage. Their utility bill dropped by $160/month, and they kept their $9,200 tax credit.
Ashley & Marcus
Goal:
Refinance into a bigger home with long-term savings
Challenge:
Their family of five was outgrowing their starter home. But rising rates and expensive energy bills were making it hard to justify the move. They didn’t want to be stuck with high solar lease payments either.
Solution:
Maria and James qualified for Lowtility’s down payment assistance and were able to include solar in their mortgage. Their utility bill dropped by $160/month, and they kept their $9,200 tax credit.
Brian
Goal:
Escape a predatory solar loan and simplify his finances
Challenge:
Brian had signed a door-to-door solar loan with a 17% dealer fee and a lien on his property. He couldn’t refinance or sell his home without going through hoops — and his energy savings were a joke.
Solution:
Lowtility helped him refinance into a new mortgage that paid off his solar loan, removed the lien, and kept his tax credit. His new setup even included a battery backup.
What Most Buyers Don’t Know About Toxic Solar Financing
Buying solar after you move in — or through a door-to-door company — could cost you 3x to 4x more than it should.
That’s not just our opinion...
Even the Consumer Financial Protection Bureau
and Center for Responsible Lending have issued nationwide warnings on how traditional solar loans and leases can hurt homeowners.
Click Here for Read Recent Reports on Solar Financing Pitfalls
The Problem with Traditional Solar Financing
Solar is smart. But how you finance it can cost you thousands.
Here’s what most homeowners don’t realize until it’s too late:
Solar Leases:
Looks easy, but comes with strings.
✖ You don’t own the panels—you’re just renting them.
✖ The leasing company puts a lien on your home.
✖ You’ll still see rate increases over time.
✖ No tax credit (that goes to the leasing company).
✖ Harder to sell or refinance your home later.
✖ You could end up paying 3–4x the actual cost.
Solar Loans:
Not much better.
✖ Most lenders add 30–40% in dealer fees (that’s $15,000+!).
✖ The loan shows up as a mortgage on your credit.
✖ Your solar won’t boost your home value until it’s fully paid off.
✖ Another lien on your home.
✖ Want to sell or refinance? You’ll need lender approval.
✖ Some lenders require you to hand over your tax credit.
OUR MISSION
We’re here to help everyday homeowners build wealth, reduce stress, and unlock smarter financing for their futures.
The needs of homebuyers are changing.
We're Changing with them.
EXCITING NEW
HOMEBUYER GRANT!
Downpayment Grant Available
✅ Up to $15,000 grant
✅ Works with new home or refinance
✅ Combine with solar & tax credit
Include One of
The Energy Bundles
When You Buy or Refinance Your house
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.
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.
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!
Ready to start saving money?
Talk to a Lowtility Team Member today!
MENU
CUSTOMERS
SOCIAL
© 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
