FOR SOLAR SALES REPS
Your customer pays cash. You stop waiting on financing.
They borrow against equity they already have — no refi, no new mortgage, no dealer financing. The installer gets paid up front, and your install date stops depending on somebody else’s underwriting — funding in as few as 5 days on the fast path. [Confirm this wording with compliance before publishing.]
Live training with Don, Wednesdays at 11:30 MT. You leave with your link and a script.
How It Works
You send one link
Yours, tracked. Text it or email it mid-conversation.
We take the money talk
Licensed loan officers handle your customer.
Installer gets paid
Cash, up front. You schedule the install instead of waiting on a lender.
You hear from us when your customer starts, when they’re approved, and when the funds clear — so you know when to book the crew.
You did the hard part. Then traditional financing undid it.
You found them. You built the trust. You got the yes. What happens next is the part you have no say in.
It stalls
Days go by. Now they’ve got time to think about it, and time to take somebody else’s quote.
Or it declines
A deal you already closed vanishes on a call made by somebody who never met them.
Or the fee prices you out
The dealer fee rides in your number — against the guy who found a way around it.
You shouldn’t lose a sale you already won over how somebody pays for it.
WHAT CHANGED IN 2026
The federal credit is gone from ownership. Price is the whole game now.
Customer-owned systems lost the residential credit on January 1. Leases and PPAs still capture one. So every ownership deal you quote is up against a leased system with a subsidy behind it, and the only lever left on your side is what the system costs. Every dollar in that price that isn’t panels, labor or margin is working against you.
THE REAL CLOSE
It isn’t the system price. It’s their monthly.
Most homeowners have no idea what their money is doing. There is more home equity right now than at any point in US history, and more consumer debt. The same line of credit that pays your installer can wipe out a 28% credit card at the same time — which is why the comparison your customer actually cares about isn’t the price of the system.
What they pay now
Mortgage payment, power bill, and every consumer debt payment. In one of Don’s worked examples that totalled roughly $2,600 a month.
What we restructure
The equity line pays the installer in cash and clears the debts they pick. The power bill drops. The first mortgage is never touched.
What it looks like after
In that same example, about $720 a month less than before — with the system paid for and the cards gone.
There is no solar payment anywhere in that picture. Your customer ends up with their first mortgage, an equity line, and a much smaller power bill — and they own the system outright. In Don’s words: we added an asset, not an obligation.
The question that does the work: “If I gave you a magic wand, which bills would you get rid of?” Ask it before you price the job. The answer is usually what makes the math land — and it is a question you can ask without quoting a rate or pulling credit.
Illustrative figures from an internal partner training, not a quote. Actual payments, rates and savings vary by borrower and property. [Verify these numbers with compliance before publishing.]
What it costs you: one link.
Everything here is something you don’t have to do.
One training and you’re set up.
Don walks the whole thing end to end — what your customer sees, what you say, when to bring it up. You leave with your link and a script.
Wednesdays, 11:30 AM Mountain · about an hour · hosted by Don Worthington
Can’t make a Wednesday?
Leave your details and we’ll send you the recording of the last training. Same walkthrough, same script — you just can’t ask Don questions.
Trainings run every Wednesday, so if one opens up on your calendar, grab a seat instead — you’ll leave with your link set up.
What our Customers say
about lowtility
See What our happy customers had to say about their experience.
FOUND MONEY
The deals you already lost are still worth something.
Before you prospect anybody new, go back through the last three years. Three situations we can usually do something with — and they are all sitting in your CRM already.
They got a bad solar loan
High rate, dealer fee buried in it, a payment they resent. We run the math, and for a lot of them refinancing out of it is simply the better deal.
Their finance company went under
Sold the system, sold the financing, and the lender holding it no longer exists. We have negotiated reduced payoffs on some of those so the homeowner can own their system outright.
They want to sell and the system is in the way
We can finance the incoming buyer with the existing system attached, so your seller doesn’t have to pay it off just to move.
No prospecting, no new leads, no ad spend. Just a list you already have and a different financing answer than the one you had then.
What reps actually ask
How fast is it, really?
Depends which path your customer lands on. If they qualify for the digital HELOC, funding can land in as few as 5 days. If they cascade to one of our other products, think closer to two weeks. Either way it isn’t gated on a purchase or a refinance, which is what makes it quicker than bundling solar into a new mortgage.
The rest is down to your customer. The fast path reads their income and bank activity electronically, so a homeowner who connects their accounts the same day moves quickly and one who takes a week to upload anything doesn’t. Say that to them up front and you’ll never have to walk a date back. [Confirm this wording with compliance before publishing.]
Does my customer have to qualify for the fast one?
No — and this is the part most reps get wrong about us. We run the digital HELOC first because it is the quickest. If it doesn’t fit, we cascade: other home equity products, or wrapping everything into a new first mortgage. You don’t have to pre-qualify anybody. Send them over and we find the path.
What’s in it for you?
We’re a mortgage shop. When your customer borrows against their home, we handle that loan. You get a faster close, we get a client. That’s the whole arrangement — no fee to you, no quota.
Is it available in my state?
The digital HELOC is rolling out state by state as each one clears compliance, so it isn’t everywhere yet. Our other home equity and refinance products are. Send the customer either way — we’ll tell you which path is open where they live.
What if they won’t touch their house?
Don’t argue it — hand it to us. That’s a conversation our loan officers are licensed to have and you aren’t. Send the link, go back to selling.
Does my customer have to refinance?
No. That is the whole point. Their first mortgage stays exactly where it is, at whatever rate they locked, and the equity line sits behind it. Nobody with a 3% mortgage has to give it up to go solar.
Backed by One of the Largest
Mortgage Lenders in the Country
Lowtility is built by experienced mortgage professionals and powered by PRMI — a nationwide lender with billions in annual originations and dozens of industry awards.
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend.
Most solar deals don’t die at the pitch.
They die at financing.
You qualify the lead. You build the proposal. You handle the objections. Then a credit pull from a solar lender ends the whole thing. Here’s what that’s costing reps:
FICO floors on traditional solar loans cut out a huge chunk of the homeowner market — even buyers who can clearly afford the payment.
Every credit fail is hours of your work and a real check that walks out the door — usually with no path back.
If 4 out of 5 of your proposals never close, your funnel isn’t broken — your financing options are.
House + Solar = One Loan.
Lowtility is a mortgage program that lets homeowners and homebuyers wrap solar (and smart home tech) directly into their home loan. Instead of two underwrites, two credit pulls, and two payments — it’s one approval, one payment, one rate.
The questions you’d actually ask.
Practical answers to the things reps want to know before they send their first lead.
We look at the whole picture — income, debt, savings potential, and the loan structure — not just a single number. That means we’re able to approve plenty of buyers that traditional solar lenders turn down.
The best way to know: send us a lead and we’ll tell you exactly what path forward looks possible.
Not at the pre-qual stage. We can give you a realistic read on the loan path using basic information first. A formal credit pull only happens once your customer is ready to move forward with a Lowtility mortgage — same as any other home loan.
Both, plus new construction. That’s one of the things that makes Lowtility different from most solar financing products, which are refi-only or installer-loan only.
Even better. Send them to us early — we’ll pre-qual them for a Lowtility mortgage with solar built in, which often increases their buying power and helps them shop with confidence.
Three things: your customer’s name, a phone number, and a recent power bill. From there we handle the savings analysis, the qualification conversation, and the financing structure. You stay in the loop, but you don’t have to drive the process.
You keep your standard commission from your install company — Lowtility doesn’t touch your pay structure. We’re paid by the mortgage side of the transaction, just like any other home loan.
Yes. Once a customer moves into the loan process, you’ll hear from us at the key milestones — not just at the start and finish. No black-hole submissions.
All 50 states except New York. If you have a New York lead, send it anyway — we’ll let you know if and when we’re able to help.
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. 1480 N 2200 W, Salt Lake City, UT 84116
