Zero-down home financing

Buy your next home with $0 down — and a payment that works harder.

Lowtility bundles smart financing with optional solar, so more of your money builds equity instead of disappearing into rent and utility bills.

  • Zero-down and low-down paths for qualified buyers
  • Optional solar bundled into your loan to offset the monthly payment
  • One team handles financing — and connects you with a buyer's agent
  • No cost, no obligation — just your real numbers
Trusted financing through PRMI · NMLS #3094

Check your eligibility

FREE About 2 minutes · won't affect your credit
Step 1 of 2
Add the city and state you're looking in.
No credit pull · your info stays private
Step 2 of 2 — where to send your results
Enter a valid email.
Enter a phone number.
Please agree to be contacted so we can send your results.

You're all set!

Taking you to your eligibility check now — about 90 seconds.

Won't affect your credit
Answers in about 2 minutes
No cost, no obligation
Equal Housing Lender · NMLS #3094
How it works

Three steps from curious to keys.

No paperwork marathon. Just a quick check, a real conversation, and a plan.

STEP 1

Check your eligibility

A short questionnaire about your financing picture. No credit pull, no commitment.

STEP 2

Talk to a specialist

A 15-minute call to confirm your real numbers — with and without the solar bundle.

STEP 3

Find your home

Lock in financing and, if you need one, get matched with a trusted buyer's agent.

Why Lowtility

A payment that works harder.

Less out of pocket

Zero-down and low-down options mean you can move sooner instead of saving for years.

Solar that pays its way

Financed into your loan, optional solar helps offset the utility bill you'd pay anyway.

One conversation

Financing and home search, handled by one team — so nothing falls between the cracks.

Won't affect your credit
Answers in about 2 minutes
No cost, no obligation
Equal Housing Lender · NMLS #3094
Real buyers

People who almost didn't ask.

Happy young couple, new homeowners
★★★★★
"We thought zero-down wasn't possible for us. Lowtility ran the real numbers, looped in an agent, and we closed on our first home a couple months later."
Jordan & Mia · First-time buyers, Ogden, UT

Ready to see your zero-down number?

It takes about two minutes and won't touch your credit. Let's find out what you qualify for.

Check my eligibility — free
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