How Lowtility Works: Step-by-Step Guide to Smart Home Buying

1️⃣ Identify Utility Costs

Before you buy, find out what the average monthly utility bill looks like for the area and size of home you’re considering.

💡Think of this as discovering how much energy is costing you — and what you could save.

2️⃣ Convert That Cost into Buying Power

Take that utility bill andturn it into mortgage buying power.
By eliminating a utility bill, that same monthly amount can instead go toward a higher home purchase price — without increasing your monthly payment.

👉We can help you calculate it —contact us to see your numbers.

3️⃣ Choose Your Energy Improvements

Decide what upgrades or products your home will need to eliminate those utility costs — things like solar panels, energy-efficient HVAC, or home battery storage.

⚙️Not sure what you’ll need? We can help with that too —contact us for recommendations.

4️⃣ Get Pre-Approved for YourLowtility Loan

Your loan will cover both thehome purchase price + energy improvementsin one simple package.
✅No separate loans or second approvals required — just one streamlined process.

5️⃣ Go Through the Traditional Homebuying Steps

Find your dream home, make an offer, and set your closing date —
📅 it all works just like a traditional mortgage purchase.

6️⃣ Closing Day — With a Smart Twist

At closing, anescrow holdbackis set aside specifically for your approved energy upgrades.
That means you get the keysandthe funds ready for your improvements — all built into your loan.

7️⃣ Move In and Electrify Your Home

After closing, schedule your chosen energy upgrades to be installed.
We’ll pay the installersdirectly from the escrow holdback, so you don’t have to lift a finger (or your wallet).

🎉 Enjoy Your Modern, Energy-Efficient Home

You now own anelectrified home that produces its own power—
lower bills, higher value, and a smaller carbon footprint.
Welcome tohomeownership that actually pays you back.