Own Your Home.
Own Your Power.
Lowtility isn't just another mortgage program — it's the loan that gives buyers the money to purchase a home and the money to electrify it.
Solar, batteries, EV charging, smart home tech — rolled into the same mortgage, without increasing your total monthly housing budget.
ACCESS MORE BUYING POWER
LOWER YOUR POWER BILLS
ENJOY ONE SIMPLE LOAN
What is Lowtility?
It’s the first mortgage that includes your home and your energy upgrades — so you can qualify for more home and pay less overall.
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Lowtility isn't just another mortgage program—it's the loan that gives you the money to purchase a home AND the money to power it.
Solar, batteries, EV charging, smart home tech... rolled into the same mortgage, without increasing their total monthly housing budget.
By lowering your power bill, Lowtility helps you qualify for a bigger or better home — without increasing your monthly budget.
We call this,
"Buying Power"
When your utility bills go down, your budget frees up — which means you can qualify for a bigger or better home without spending more each month.
It’s how much more home you can afford based on your monthly budget.
Ask yourself:
How much extra money could you borrow to buy a house if you had NO utility payment?
Most Homebuyers Forget About Their Power Bill.
Traditional mortgages don’t account for your energy costs — which means your monthly budget gets eaten up by rising utility bills.
Lowtility fixes that by rolling your solar and smart home upgrades into your mortgage, so your total payment stays the same (or less), while your home’s value and comfort go up.
💰One payment, not two
⤵️ Lower bills from day one
💵 Keep your tax credits
🏡 No extra liens or hidden fees
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See Real Lowtility Comparisons
This homeowner bought the same $430,000 home but chose Lowtility to include $30,000 worth of solar and a battery in their mortgage.
The result? Their total payment is $136 less each month than a traditional loan — and their house now makes its own power. No separate solar loan, no lease, and no extra lien — just one smart mortgage that saves money every month.
This homebuyer bought a home using Lowtility and added Solar + Battery into their mortgage (at the time of purchase)
This buyer used the Grid to Green Down Payment Grant and rolled solar into their mortgage — saving $67 a month compared to a traditional loan.
Their home now powers itself, has no lease or extra lien, and they even received $15,000 in grant funds toward their down payment. Same house, smarter loan, and lower bills from day one.
Here's What To Expect
Schedule A Free Savings Analysis
We'll dive into what your average utility bill will be in the area you're searching, calculate your buying power, and give you an estimate.
Pick Your Home Upgrades
Select what smart home products will be needed to remove the home of your choices utility costs.
(Don't worry, we have hundreds of incredible referral partners to help you find the best products)
Close Once.
Save Every Month.
Once you're pre-approved we begin the traditional home buying process. You find a house, make an offer, and choose a closing date!
You pay your mortgage every month, your power bill goes down!
Why You'll Love Buying your Home With Lowtility
Because you deserve more home - and fewer bills.
You Get More Home For Your Money
Lower Monthly Bills
Keep Your Solar Tax Credits
You Simplify Everything Into One Payment
What Our Customers Are Saying
See What our happy customers had to say about their experience.
See How Families Are Saving With Lowtility
"Cut our $300 bill down to $40"
“Our $300 utility bill dropped to $40. That extra buying power helped us get the home we wanted without stretching our budget.”
- The Johnsons
"No Extra Hassle"
"We used to feel stuck renting power. Now, thanks to Lowtility, our mortgage covers our solar system. We’re saving and building equity."
- Maria & Ben
"Highly recommend this"
"Lowtility made it simple — no second lien, no hidden fees. Just one loan and lower bills."
- Kirsten
New Homebuyer Grant: Get Up to $15,000
Get up to $15,000 toward your down payment when you use a Lowtility mortgage with solar.
Combine it with your energy savings and tax credits for even more buying power.
✅ Up to $15,000 grant
✅ Works with new home or refinance
✅ Combine with solar & tax credit
Stop Renting Power. Start Owning It.
With Lowtility, your mortgage covers both your home and your power — giving you more home, lower bills, and a smarter way to buy.
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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
