For homeowners

Your home could be working harder for you.

Lower your rate, cut your energy bill, or tap your equity — see what your home qualifies for in about a minute.

  • Lower your mortgage rate or payment
  • Cut your monthly energy bill with solar
  • Tap the equity you've already built
STEP 1 OF 3
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. 1597 Woodland Park Drive, Layton, Utah 84401