Your home and your solar — in one loan.
Whether you're buying a home or already own one, Lowtility rolls the cost of solar into your home loan — so it's financed on mortgage terms, in a single approval and one monthly payment, instead of a separate solar agreement.
Two costs that used to be separate — now one.
Normally you'd finance a home with a mortgage and solar with its own loan or lease, each with its own rate, paperwork, and payment. Lowtility combines them into a single home loan, so solar is financed on mortgage terms instead of a separate, costlier solar agreement.
Two ways in
Lowtility works whether you're about to buy or you've owned your place for years — the path just starts in a slightly different place.
Homebuyers
Bundle solar into your purchase mortgage — with down-payment help, more flexible credit, and a lower real cost to own and run the home.
Check your eligibility →Homeowners
Tap your home's value to fund updates, consolidate higher-interest debt, or pay for solar in cash — folded into one refinance.
Check your eligibility →From first question to powered up
Here's the path with Lowtility, whether you're buying or already own. Your loan officer and solar team handle the heavy lifting at each stage.
Check your eligibility
Answer a few quick questions to see if you qualify — including whether a zero-down option may be available for your situation.
Set up your financing
Buying? Get pre-qualified and shop with your agent. Already own? We look at folding solar into a refinance of your current mortgage.
Design your solar
One of our solar partners in your area sizes a system for the home so you know what it'll produce before anything is finalized.
Bundle it into one loan
The cost of the solar system is financed within your mortgage through PRMI — one rate, one set of paperwork, one approval.
Close, move in, and power up
You close on a single loan, and your solar system is installed and switched on — so you start generating your own power.
The usual way vs. the Lowtility way
Financing solar separately means a second agreement layered on top of your mortgage. Bundling keeps everything in one place.
The usual way
- A separate solar loan or lease alongside your mortgage
- Solar financing terms that are often costlier than a mortgage
- Two applications, two approvals, two monthly payments
- A lien or agreement tied directly to the panels
With Lowtility
- Solar financed within a single home loan
- Financed on mortgage terms, not a standalone solar product
- One application, one approval, one monthly payment
- The system is part of the home you own and build equity in
The perks depend on where you're starting
The one-loan structure unlocks different advantages whether you're buying your first home or you've owned for years.
For homebuyers*
-
💵
Down payment assistanceGet into a home with little or nothing down, so saving for a big down payment isn't what's standing in your way.
-
✅
More flexible creditWorks with a wider range of credit profiles than many traditional loans.
-
☀️
A lower cost to ownSolar trims what it costs to run the house, so your real monthly cost of owning can come out lower.
For homeowners*
-
🛠️
Fund home updatesRoll renovations and home improvements into the same loan alongside your solar.
-
💳
Consolidate debtFold higher-interest debt into your mortgage to simplify what you owe.
-
💰
Pay for solar in cashUse your refinance to buy the system outright, so you own your solar instead of leasing it.
*Both programs require a minimum 580 FICO score (620 in Texas) and are subject to credit and approval.
Common questions
Is the solar a separate loan from my mortgage?
No. That's the whole idea — the cost of your solar system is financed inside your home loan, so there's one loan, one approval, and one payment instead of a separate solar loan or lease.
Besides solar, what else can the loan help with?
For homebuyers, it can pair with down-payment assistance and more flexible credit to make getting into a home easier. For homeowners, a refinance can also fund home updates, consolidate higher-interest debt, or pay for solar in cash. [Confirm which options your program offers.]
I already own my home — can I still use Lowtility?
Yes. For existing homeowners, solar is typically folded into a refinance of your current mortgage, so you add solar and keep everything in one home loan and one payment. [Confirm the homeowner/refi path wording.]
Do I need money for a down payment?
Many buyers may qualify for low- or zero-down options, depending on the loan program and your eligibility. Your loan officer can walk through what you'd actually need. [Confirm down-payment specifics with compliance.]
Who installs and services the solar system?
Lowtility works with one of our trusted solar partners in your area to design, install, and support your system. Your loan officer coordinates with them so the home financing and the solar stay in sync.
What credit or income do I need to qualify?
Eligibility depends on the loan program, your credit, income, and the property. The fastest way to find out is a quick eligibility check — there's no commitment to see where you stand. [Add any specific guideline language here.]
Is Lowtility a lender?
Lowtility is a mortgage product offered by Primary Residential Mortgage, Inc. (PRMI), NMLS #3094, alongside one of our solar partners in your area. PRMI is the lender on the home loan.
See if Lowtility fits your home.
It takes a couple of minutes to check your eligibility — no commitment, no impact on your day. If it's a fit, we'll take it from there.
MENU
CUSTOMERS
SOCIAL
© 2026 Lowtility by Primary Residential Mortgage Inc. 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. 1597 Woodland Park Drive, Layton, Utah 84401
