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
Four ways your home can pay off
Every homeowner's different — so we start with your goal and build the option around it.
Lower your rate
Refinance into a better rate or term and bring your monthly payment down.
Cut your energy bill
Finance solar right into your loan and turn your utility bill into long-term savings.
Tap your equity
Put the equity you've built to work — for improvements, big expenses, or solar.
Consolidate debt
Fold higher-interest debt into your mortgage to simplify what you owe.
Three simple steps
No documents to dig up to get started — just a few questions and a quick conversation.
Check your eligibility
Answer a few quick questions about your home and your goal. Takes about a minute.
Talk with a loan officer
Hop on a quick 15-minute call to walk through the options that actually fit you.
See your personalized plan
Get a clear picture of your rate, your potential savings, or the equity available to you.
Built for homeowners, not paperwork
One team, mortgage + solar
No juggling a separate solar company — it's bundled right into your home loan.
Backed by PRMI
An established national lender stands behind every loan in the program.
Built around your goal
Rate, solar, equity, or debt — your loan officer maps the path that fits your situation.
Flexible credit*
Works with a wider range of credit profiles than many traditional loans.
*580 FICO minimum (620 in Texas). Subject to credit and approval.
What 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."
Good to know
Will checking my options affect my credit?
Getting started is just a few quick questions — no full credit pull to begin. Any credit review happens later, with your loan officer, once you decide to move forward.
Do I have to add solar?
No. Solar is one of several paths. You can refinance for a better rate, tap your equity, or consolidate debt instead — or combine solar with any of those.
What credit score do I need?
The program works with a wide range of credit profiles.* Your loan officer confirms your eligibility on the call. *580 FICO minimum (620 in Texas), subject to approval.
How long does this take?
The eligibility check takes about a minute. Your loan officer walks through timelines and next steps on your consult.
Is this a commitment?
Not at all. The consult is free and there's no obligation — it's simply a chance to see what your home could qualify for.
See what your home could do for you
A minute to check your options. A 15-minute call to see the numbers. No obligation.
Check My Eligibility — Free
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© 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
