Real Estate agents
Turn Utilities Into Buying Power
Help your buyers afford more home without raising their monthly costs.
Affordability is Shrinking and Buyers are stuck.
Rising interest rates + utility costs cut into buying power.
Traditional mortgages only account for PITI, not utilities.
Many buyers can't afford the homes they actually want.
The Result?
Homeowners get discouraged - and you lose clients.
Our Solution: Lowtility
Lowtility is a mortgage program that turns your buyers’ utility bills into buying power, helping you close more deals and get clients into the homes they really want.
One Loan
Rolls home, solar, and smart tech into a single mortgage, avoiding multiple financings or high-interest add-ons.
Unlock More Buying Power
Converts buyers’ monthly utility payments into additional mortgage qualification, helping them afford more home without increasing monthly costs.
Credit Friendly
Helps buyers with lower credit scores still access energy upgrades through their mortgage.
🔑 Unlock Hidden Buying Power
Most mortgages only factor in PITI (Principal, Interest, Taxes, Insurance).
But in the real world, your buyers also spend hundreds every month on utilities - money that could be working for them instead of the power company.
With Lowtility:
✔ Every $100/month in utilities = $16,000+ in Buying Power
✔ A $300/month bill can free up over $50,000 in Buying Power
✔ That extra buying power can go toward a bigger home, a better neighborhood or closing costs.
👉 Instead of being stuck by rising rates and costs, buyers can redirect what they’re already paying into the home they actually want.
How much more "Home" could your buyers afford if they had NO utility payment?
Offer a Down Payment Solution!
Traditional Solar Wastes $20k to $30k
Through dealer fees and high finance fees.
We Convert That Waste Into a Grant
Providing down payment and closing cost assistance.
Plus the Federal Tax Credit
Providing down payment and closing cost assistance.
Our Mission
✔ Make home ownership more affordable.
✔ Protect home buyers from predatory solar loans.
✔ Change home buying by tapping into more opportunities to own a home they love.
is Rethinking Homeownership
Can Turn Any Home into an Energy Efficient Home
A Mortgage Program that lets HomeOWNERS and HomeBUYERS include SOLAR PANELS and SMART HOME TECHNOLOGY into their MORTGAGE.
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(We Lend Above the Appraised Sales Price)
Why Agents Love This Model
No Extra cost to the buyer or seller
Buyers still pay the same monthly amount (piti + utilities)
you look like a hero for helping them qualify and save
you get more referrals by offering something unique
Our average customer saves $300 a month and:
Saves more money short term & long term.
Enjoys no dealer fees in their financing.
Doesn't get extra liens placed on their house
Keeps their solar tax credits.
OUR MISSION
1 - Make Homes More Affordable
2 - Make Life More Convenient
(Smart Home + Energy Management)
3 - Protect Home Buyers from Predatory Solar Loans & Reps
The needs of homebuyers are changing.
We're Changing with it.
What Others Are Saying
“Lowtility helped me stand out and win the listing.”
"In a competitive market, it’s hard to offer something different. But when I told my sellers I could market their home with solar and smart tech bundled into the buyer’s loan, they were blown away. We got multiple offers AND I gained two new buyer clients just from that one listing."
- Andre T.
"Loved everything so far"
"My buyers were struggling with down payment and closing costs, and I had exhausted all options. Bailey walked me through the Lowtility process and within a week, we had them qualified with solar and smart home upgrades
withoutincreasing their monthly payment. It’s now a go-to solution I offer every client."
- Jessica
“My buyers got a $12,000 tax credit and still paid less monthly.”
"I was skeptical at first, but the process was smooth and totally legit. The buyers added solar, got grant money toward their down payment, and ended up with a more valuable home. And I got 3 referrals from them in the first month. This is a game-changer for agents who want to be seen as more than just a key-opener."
- Morgan S.
Ready to start closing more deals?
Schedule a Demo today!
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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
