Tap into your home’s equity to pay off high-interest debt or fund what matters — without refinancing your low first mortgage. See how much you could access in minutes.
Every homeowner's different — so we start with where you're overpaying and build the plan around it.
Refinance into a better rate or term and bring your monthly payment down.
Finance solar right into your loan and turn your utility bill into long-term savings.
Put the equity you've built toward solar or paying down higher-interest balances — often at a lower rate.
Fold higher-interest debt into one lower monthly payment and cut what you spend on interest.
No documents to dig up to get started — just a few questions and a quick conversation.
Answer a few quick questions about your home and your goal. Takes about a minute.
Hop on a quick 15-minute call to walk through the options that actually fit you.
Get a clear picture of how much you could save each month — no obligation.
No juggling a separate solar company — it's bundled right into your home loan.
An established national lender stands behind every loan in the program.
Rate, solar, equity, or debt — your loan officer maps the path that fits your situation.
Works with a wider range of credit profiles than many traditional loans.
*580 FICO minimum (620 in Texas). Subject to credit and approval.
"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."
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.
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.
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.
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.
The eligibility check takes about a minute. Your loan officer walks through timelines and next steps on your consult.
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.
A minute to check your options. A 15-minute call to see your savings. No obligation.
See How Much I Could Save
© 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
