You Deserves a home
Without Draining Your Savings to Get There
Lowtility Fixes That
Our program gives homebuyers the option of zero money down, zero cash to close, AND a lower utility bill — all in one loan.
Zero Money Down
Zero Cash to close
Lower Utility Bills
If you're feeling
Stuck, Frustrated, or anxious
about buying a home
You're Not Alone.
We talk to first-time home buyers every day.
And we hear the same story again and again.
“I’m saving, but it’s never enough.”
“My bills keep going up.”
“I don’t even know where to start.”
“Closing costs scare me.”
“Utilities are killing my budget.”
It Feels Like the System Isn’t Designed for You
You’re not doing anything wrong.
The math just doesn’t work the way it used to.
The traditional home-buying playbook doesn’t fit modern buyers anymore.
That’s exactly why we exist.
If you want to buy a home without draining your savings
The next step is simple
Imagine Starting Homeownership Like This
You close on your home without draining your savings.
You still have cash for emergencies, furniture, and life.
Your monthly payment feels manageable.
Your utility bills are lower than you expected.
You’re not guessing or hoping.
You know the numbers work.
That’s what working with Lowtility feels like.
Lowtility Is Different From Most Down Payment Assistance Programs
Many buyers want help with a down payment.
The problem is qualifying.
These programs sound good…
but feel impossible to use...
Traditional
Down Payment Assistance:
Strict income limits
Only available in specific cities
Long waitlists or limited funding
Complicated rules and paperwork
Down Payment Assistance:
No income caps
No geographic restrictions
Lowers your monthly Utility bill
600 fico credit score
Designed for real buyers, right now
If you’ve been told “you make too much” or “you don’t qualify”
Lowtility may be the option you haven’t seen yet.
It’s help you can actually plan around.
Successful homeownership isn’t
just about the mortgage...
It’s about the total cost of living in the home.
Utility Bills Matter More
Than You’ve Been Told
Every home needs power to operate:
Lights
Heating
Cooling
Appliances
That utility bill shows up every month
Forever...
Lowtility looks at that cost differently.
Instead of ignoring utility costs,
Lowtility Reduces them.
We help add solar to
the home you’re buying.
And That lowers your monthly utility bills.
Then we redirect part of that savings to help cover:
Your down Payment
Your Closing Costs
Money that would have gone to the utility company is used
to Help you buy the home.
Most Down Payment Programs help with
One Cost
Lowtility helps with two:
Upfront Costs
(Downpayment & Closing Costs)
Ongoing costs
(Monthly Utilities)
That's why Lowtility is one of the most affordable ways to:
Buy a home
Lower Bills
Not drain your savings
A Smarter Start to Homeownership
Trusted by Homeowners
(Who used to be homebuyers Just like you)
See What our happy customers had to say about their experience.
MENU
CUSTOMERS
SOCIAL
© 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
