Buy a Home With No More Than $2,500 Out of Pocket*

Book a free 15-minute call and find out if the math works for you.

  • No credit pull
  • No application
  • Just 15 minutes
2,270+ customer reviews

Pick a time that works for you

You'll get a text and email confirming your time.

“Exceptional service from start to finish. As a first time buyer there was a lot of uncertainty and questions that Becka met with ease, understanding and care.”

Eddie B., first-time homebuyer · Read more reviews

Want the 90-second version first?

Watch Don explain how the program works, then pick a time above.

Book My Free Fit Call

What you'll find out on the call

  • Find out what you can actually afford — including your power bill, which most lenders leave out of the math entirely.
  • Keep your savings. The energy company contributes toward your down payment and closing costs.
  • If it's not a fit, we'll tell you straight on the call.

Common questions

Is this a solar sales call?

No. We're a mortgage company, not a solar company. Solar is just the tool that lowers your power bill so the monthly math works — nobody on the call will sell you panels.

Will you pull my credit?

No. There is no credit pull and no application on this call. It's a fit check, nothing more.

What actually happens on the call?

About 15 minutes. We look at your situation, run the real numbers including your utility costs, and you leave knowing exactly what your options are — even if the answer is "not yet."

Book My Free Fit Call

Program terms

The "no more than $2,500 out of pocket" offer refers to the total cash a qualifying borrower pays at closing, including down payment and closing costs, after contributions from the program's energy partner [and any seller or other credits]. Contributions are subject to program guidelines and lender, loan program, and investor limits. Actual cash required varies by borrower, property, loan program, and location.

Energy savings

Estimated utility savings depend on household usage, system size and performance, weather, and utility rates, and are not guaranteed.

Solar component

Lowtility loans include financing for a solar energy system installed on the property. The system cost is part of your loan amount and is repaid over the life of the loan.

The fit call

The free 15-minute call involves no credit pull and no application. It is not a loan application, pre-qualification, or commitment to lend.

Lender information

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 (NMLS Consumer Access). 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 North 2200 West, Salt Lake City, UT 84116

Equal Housing Lender

Lowtility white roof logo with a small orange sun

© 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