Save the Solar Deals You’re About to Lose.
When credit kills a solar deal, you lose the commission. Lowtility turns declined homeowners into approved buyers by building solar directly into the mortgage — so you close more, and keep your full commission.
How much commission did you lose last month?
Most reps don’t track it. Plug in your numbers — we’ll show you what credit-declined deals are actually costing you.
Most solar deals don’t die at the pitch.
They die at financing.
You qualify the lead. You build the proposal. You handle the objections. Then a credit pull from a solar lender ends the whole thing. Here’s what that’s costing reps:
FICO floors on traditional solar loans cut out a huge chunk of the homeowner market — even buyers who can clearly afford the payment.
Every credit fail is hours of your work and a real check that walks out the door — usually with no path back.
If 4 out of 5 of your proposals never close, your funnel isn’t broken — your financing options are.
House + Solar = One Loan.
Lowtility is a mortgage program that lets homeowners and homebuyers wrap solar (and smart home tech) directly into their home loan. Instead of two underwrites, two credit pulls, and two payments — it’s one approval, one payment, one rate.
Built for reps, not just homeowners.
Lowtility isn’t a back-end financing tweak — it’s a closing tool. Here’s how it changes your numbers:
Recover declined deals
Roughly 1 in 10 credit-declined solar leads come back approved through Lowtility’s mortgage path. Money you’d otherwise leave on the table.
Keep your full commission
No dealer fees getting clawed out of your check. The financing structure preserves your margin instead of eating it.
Customer keeps the tax credit
Unlike leases and PPAs, your homeowner is the owner of record — so the federal solar tax credit stays with them. Easier yes.
Free pre-qual + savings report
Send us the lead — we run a credit and monthly-savings analysis at no cost so you know what’s possible before you build a proposal.
No predatory loans, ever
Mortgage rates, not 9.99% solar dealer fees baked in. Customers feel safe signing — and you don’t have to defend the financing.
Downpayment grant available
Eligible buyers who add solar with Lowtility can stack a downpayment grant — turning “I can’t afford to move” into a closed deal.
From “declined” to “closed” in four steps.
No paperwork shuffle, no black-hole submissions. Here’s exactly what happens when you send us a lead:
You refer the homeowner
Send us their name, phone, and a recent power bill. That’s it — we take the relationship from there.
We review their situation
We look at their power bill, financial picture, and what solar could actually do for their monthly payment. They get a free savings analysis — no commitment, no surprises.
We find a path to approval
Refi, purchase, or new construction — we structure the loan so solar fits the budget and the underwriting.
You close the solar deal
Approved buyer, full commission, install scheduled. You stay the hero throughout.
Declined by a solar lender. Closed by Lowtility.
Here’s what the math looked like for a recent buyer we approved:
Homeowner declined by traditional solar financing
Before Lowtility
With Lowtility
Illustrative example based on typical Lowtility scenarios. Actual rates, payments, and commissions vary by buyer profile and installer.
Lowtility vs. the other financing options you’re pitching.
A side-by-side on the things that actually matter to you and the homeowner.
| Lowtility | Traditional Solar Loan | Lease / PPA | |
|---|---|---|---|
| Approves buyers solar lenders decline | Yes | Rarely | Sometimes |
| Customer keeps federal tax credit | Yes | Yes | No |
| No dealer fees baked in | Yes | No (15–30% typical) | N/A |
| Rep keeps full commission | Yes | Reduced by dealer fees | Varies |
| Mortgage-rate financing | Yes | 8–12%+ APR typical | Annual escalator |
| One payment, one statement | Yes | Two payments | Two payments |
| Works on purchase, refi, and new construction | Yes | Limited | No |
Got a customer? Run the numbers.
Our cashflow calculator captures everything we need and shows your customer’s projected savings. A real person reviews every submission and reaches out personally.
What happens after you submit:
Here’s exactly what we do with your lead, in plain English.
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Personal review. Every lead gets eyes from a real person, not a ticket queue.
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Free savings analysis. We model their current bill vs. a Lowtility-financed scenario.
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You stay the hero. We don’t poach. The customer relationship stays yours.
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Status updates. You’ll hear from us at the key milestones — not just at the start and finish.
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Full commission preserved. No dealer fees, no clawbacks from your install pay.
Run the numbers
- Customer’s basic info + contact
- Current mortgage + utility bill
- Cash price of solar + post-solar bill
- Estimated credit score
- Rep attribution (you stay credited)
A real person reviews every submission and reaches out personally.
What Homeowners say
about lowtility
See What our happy customers had to say about their experience.
15 minutes. See exactly how Lowtility saves your declined deals.
Walk away knowing whether Lowtility fits your pipeline, what kind of buyer profile we approve, and how to start sending us the deals you’d otherwise lose.
Not ready to book a call?
Refer a Customer InsteadThe questions you’d actually ask.
Practical answers to the things reps want to know before they send their first lead.
We look at the whole picture — income, debt, savings potential, and the loan structure — not just a single number. That means we’re able to approve plenty of buyers that traditional solar lenders turn down.
The best way to know: send us a lead and we’ll tell you exactly what path forward looks possible.
Not at the pre-qual stage. We can give you a realistic read on the loan path using basic information first. A formal credit pull only happens once your customer is ready to move forward with a Lowtility mortgage — same as any other home loan.
Both, plus new construction. That’s one of the things that makes Lowtility different from most solar financing products, which are refi-only or installer-loan only.
Even better. Send them to us early — we’ll pre-qual them for a Lowtility mortgage with solar built in, which often increases their buying power and helps them shop with confidence.
Three things: your customer’s name, a phone number, and a recent power bill. From there we handle the savings analysis, the qualification conversation, and the financing structure. You stay in the loop, but you don’t have to drive the process.
You keep your standard commission from your install company — Lowtility doesn’t touch your pay structure. We’re paid by the mortgage side of the transaction, just like any other home loan.
Yes. Once a customer moves into the loan process, you’ll hear from us at the key milestones — not just at the start and finish. No black-hole submissions.
All 50 states except New York. If you have a New York lead, send it anyway — we’ll let you know if and when we’re able to help.
Save the next deal you’d lose.
Fifteen minutes on a demo, or send us a lead right now — your call. The next deal you’d otherwise walk away from is the one Lowtility can 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
