PREFERRED LENDING PARTNER

Unlock Your Homebuying Dreams with One of Our Specialty Construction Financing Programs.

Specialized construction and home loan programs designed to get you into the home you've been planning — with less money out of pocket.

Programs We Have for You

From buying the lot to the final walkthrough, we have a loan for every stage.

Zero Down – Construction Loans

We'll help you buy the lot and cover the cost of construction — all with no money down.

Zero Down – Home Buying Loans

Move into a finished home with a zero down payment loan program for qualified buyers.

Energy Efficient / High-Performance Homes

Finance a low-cost-to-operate home with programs built for energy-efficient and solar-ready builds.

Construction Loans for Military

Dedicated construction loan programs for active duty, veterans, and military families.

Build on Your Lot

Already own land? We have construction loans that let you build on your existing lot.

Build on Our Lot

Working with Lee Ann Homes? We offer construction financing for builds on their lots too.

No Payment During Construction

Qualify for construction loans that don't require a payment while your house is being built.

Build an Owner-Occupied 4-Plex – Zero Down

Build a 4-plex, live in one unit, and rent the other three. Let your tenants pay your mortgage.

Let's Get You Started

Fill out the form below and one of our preferred lenders will reach out to walk you through your options.

Prefer to pick a time directly? Book a call on our calendar:

Schedule a Call
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© 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