Your home could be your biggest source of savings.
Lower your mortgage payment, cut your energy bill, or wipe out high-interest debt with our unique financing program for homeowners looking for financial relief. See how much you could save in about a minute.
- Lower your monthly mortgage payment
- Cut your energy bill with solar
- Roll high-interest debt into one lower payment
See how much money you could save.
Answer 6 quick questions and we’ll show you your estimated monthly savings from rolling solar — and any high-interest debt — into your mortgage.
Estimates only. Actual terms depend on lender review.
First, where should we send your results?
We’ll email you a personalized breakdown after you finish.
What’s your home worth?
Ballpark is fine — check Zillow or Redfin if you’re not sure.
How much do you still owe on your mortgage?
Your current unpaid balance. It’s on your most recent statement.
What’s your monthly mortgage payment?
Include principal, interest, taxes, and insurance (whatever you pay every month).
What’s your monthly electric bill?
Take the average across the last 12 months if you can. Otherwise a typical month works.
Any high-interest debt you’d like to roll in?
Credit cards, personal loans, or car loans over ~6% APR. Enter $0 if you don’t have any — totally fine.
Total balance across all accounts. We’ll estimate your monthly payments from this.
Roughly what’s your credit score?
A best guess is fine — we’re not pulling anything.
This estimate assumes rolling solar — and any high-interest debt — into a refinance at today’s rates, with the 30% federal solar tax credit applied. On the next step we’ll help you lock in the details with Don.
Estimates only. Numbers are based on typical rates and system sizes; final terms depend on lender review.
© 2026 Lowtility — A product of PRMI. NMLS #3094. Equal Housing Lender.
Thanks for reaching out
After reviewing the details you shared, it looks like our refinance program isn’t the right fit for your situation at this time. Things can change, though, and we’d welcome the chance to help down the road. If your circumstances shift or you have questions about other options, please don’t hesitate to reach back out.
© 2026 Lowtility — A product of PRMI. NMLS #3094. Equal Housing Lender.
Not a fit right now
Based on what you shared, this program isn’t quite the right fit yet. That can change — reach out anytime and we’ll help you figure out next steps.
© 2026 Lowtility — A product of PRMI. NMLS #3094. Equal Housing Lender.
Four ways to lower what you pay every month
Every homeowner's different — so we start with where you're overpaying and build the plan 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.
Use your equity
Put the equity you've built toward solar or paying down higher-interest balances — often at a lower rate.
Consolidate debt
Fold higher-interest debt into one lower monthly payment and cut what you spend on interest.
Three simple steps to start saving
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 how much you could save each month — no obligation.
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.
How much could I save?
It depends on your rate, your energy costs, and which options fit you — your loan officer breaks it down with real numbers for your situation on the call. There's no obligation 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 how much you could save
A minute to check your options. A 15-minute call to see your savings. No obligation.
See How Much I Could Save
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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
