You're Losing Deals to Affordability
You're doing everything right — finding homes, building relationships, writing offers. But too many deals fall apart before they ever get to closing.
Buyers can't come up with a down payment
They love the house. They can afford the monthly. But they don't have $15–20K sitting in savings — so the deal dies before it starts.
They qualify for less than they need
High rates have squeezed purchasing power. Your buyer qualifies at $350K but every home they want is $400K+. You're stuck showing them homes they settle for.
Deals fall apart at the finish line
Cash to close surprises, last-minute lender issues, monthly payment shock — you've put in weeks of work only to watch it unravel.
What if the problem wasn't your buyers — it was what they had access to?
Lowtility removes the barriers that kill deals: down payment, cash to close, and monthly affordability.
How the Realtor Partner Program Works
Refer your buyer to Lowtility's zero down payment program. We handle the mortgage and energy bundle — they get to the closing table.
Refer Your Buyer
Send us your buyer through a quick referral form or a warm intro. That's the only thing you need to do.
We Handle the Mortgage + Energy Bundle
Our team qualifies your buyer, structures the zero-down loan, and rolls in solar and energy upgrades — all in one package.
Your Buyer Closes with More Power
They qualify for more home, bring zero cash to close, and lock in lower monthly costs. You get the closing — and a client for life.
A Zero-Down Mortgage Program That Actually Helps You Close
This isn't another lender pitch. It's a competitive advantage you can offer every buyer you work with.
More Buying Power = More Closings
When your buyer qualifies for $50K+ more home, you're not stuck showing them places they'll settle for. You're showing them places they'll buy.
Zero Down Removes the #1 Objection
"I don't have enough saved" kills more deals than anything else. With up to 5% DPA, that conversation is over before it starts.
Zero Extra Work for You
You refer the buyer, we handle everything on the mortgage and energy side. No new systems, no extra paperwork, no learning curve.
Full Commission, No Exceptions
Your commission stays exactly the same. Lowtility doesn't take a cut from the agent side — this is built into the loan structure.
Clients Who Remember You
You didn't just find them a house — you helped them get one they thought was out of reach, with no money down and lower bills. That's a referral engine.
Works in Nearly Every Market
No income limits. First-time and repeat buyers both qualify. Credit scores as low as 580. Available in 49 states (excluding New York).
Zero Down Payment Mortgage Results for Agents
Here's what Lowtility's down payment assistance and energy-efficient mortgage program is doing for partner agents and their buyers.
Required
Buying Power
Savings
Available
What Homeowners say
about lowtility
See What our happy customers had to say about their experience.
Here's What Your Buyer Gets
So you can explain it in 30 seconds at the kitchen table — or just send them to our site and let us do the talking.
Zero Down Payment
Up to 5% of the purchase price covered through Grid to Green down payment assistance. No savings required.
Zero Cash to Close
Most buyers don't bring a dollar to closing. No draining savings, no gifts from family, no scrambling at the last minute.
Solar + Energy Upgrades Included
Solar panels, battery backup, and efficiency upgrades rolled into the mortgage. Their home makes its own power from day one.
More Purchasing Power
Eliminating the utility bill frees up qualifying income — so they can afford more home without a higher monthly payment.
Not All Down Payment Assistance
Is Created Equal
Most DPA programs come with strings attached. Lowtility's is built differently.
| Feature | Typical DPA | Lowtility DPA |
|---|---|---|
| Income Limits | Yes | No |
| Geographic Limits | Yes | No |
| 2nd Liens | Common | None |
| Funding at Closing | Not guaranteed | Guaranteed |
| Monthly Utility Savings | None | Yes |
| Rate Buydown | Sometimes | Yes |
| Cash to Close | Usually required | $0 Possible |
Questions Agents Ask Before Partnering
Everything you need to know about referring buyers to the Lowtility zero-down mortgage program.
Have a question that's not listed? Reach out — we'll answer it personally.
See If the Partner Program Is a Fit for You
Answer a few quick questions and we'll show you how Lowtility can work with your business.
Your Next Buyer Is Already Looking.
Let's Make Sure They Qualify.
Join the Lowtility agent partner program and give every buyer you work with zero down, zero cash to close, and more purchasing power — at no cost to you.
Join the Lowtility Partner Program
Give every buyer you work with zero down, zero cash to close, and more purchasing power — at no cost to you.
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© 2026 Lowtility. 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. 1165 East Wilmington Avenue, Suite 250 Salt Lake City, UT 84106
