The listing isn't stuck.
The financing is.
let's give the buyer a smaller number
Every extra week on market is a buyer doing math against your seller's price. We help them bring less cash to closing — and still pay less every month — without touching the list price.
NMLS #3094 · Estimates only. Not a commitment to lend.
A stuck listing usually isn't a pricing problem.
It's the same house, the same price, and the same buyer pool that stopped talking to each other. That gap is exactly what a solar-integrated mortgage is built to close.
We set you up with everything you need to reopen the conversation.
You keep the seller and the lead. We hand you the materials, the link, and a real person to call.
Every piece goes out with your name on it.
Flyers, buyer one-sheets and the landing page behind your referral link carry your photo, brokerage and contact details. The program does the explaining; you get the credit and the call.
Get my agent kitSame house. Different conversation.
A real deal we closed. Same $430,000 price, same 6% rate — the buyer brought $8,600 less to closing, got $59,175 of energy upgrades with the house, and still pays less every month.
95% LTV
97% LTV
Cash to close excludes closing costs. Assumes a 715 credit score. Estimates only. Not a commitment to lend.
Nothing about the listing changed. The buyer brought $8,600 less to the closing table, moved into a house with solar, batteries and a heat pump already paid for, and their monthly still came in $128 lower.
Run my listing's numbersAlmost nothing. And they don't pay for the upgrades.
This is the first question you'll get, so here's the plain answer: the buyer finances the improvements, and the work happens after closing.
Come learn it with us — every week, no charge.
bring your buyers too
Two short live sessions: one for agents on how to position the program on a stale listing, one for homebuyers on how the financing actually works.
Save a seatWhat people are saying
"We'd been meaning to look at refinancing for a while. One short call and we walked away with options we actually understood."
"I didn't realize I could bundle solar right into my loan. Loved having one team handle all of it instead of chasing a separate solar company."
"Tapped our equity to finally redo the kitchen. Our loan officer laid out every path with zero pressure — made the decision easy."
You're Losing Deals to Affordability
You're doing everything right — finding homes, building relationships, writing offers. But too many deals fall apart before they ever get to closing.
Buyers can't come up with a down payment
They love the house. They can afford the monthly. But they don't have $15–20K sitting in savings — so the deal dies before it starts.
They qualify for less than they need
High rates have squeezed purchasing power. Your buyer qualifies at $350K but every home they want is $400K+. You're stuck showing them homes they settle for.
Deals fall apart at the finish line
Cash to close surprises, last-minute lender issues, monthly payment shock — you've put in weeks of work only to watch it unravel.
What if the problem wasn't your buyers — it was what they had access to?
Lowtility removes the barriers that kill deals: down payment, cash to close, and monthly affordability.
A Zero-Down Mortgage Program That Actually Helps You Close
This isn't another lender pitch. It's a competitive advantage you can offer every buyer you work with.
More Buying Power = More Closings
When your buyer qualifies for $50K+ more home, you're not stuck showing them places they'll settle for. You're showing them places they'll buy.
Zero Down Removes the #1 Objection
"I don't have enough saved" kills more deals than anything else. With up to 5% DPA, that conversation is over before it starts.
Zero Extra Work for You
You refer the buyer, we handle everything on the mortgage and energy side. No new systems, no extra paperwork, no learning curve.
Full Commission, No Exceptions
Your commission stays exactly the same. Lowtility doesn't take a cut from the agent side — this is built into the loan structure.
Clients Who Remember You
You didn't just find them a house — you helped them get one they thought was out of reach, with no money down and lower bills. That's a referral engine.
Works in Nearly Every Market
No income limits. First-time and repeat buyers both qualify. Credit scores as low as 580. Available in 49 states (excluding New York).
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. 1597 Woodland Park Drive, Layton, Utah 84401
