What If Your Buyers Could Qualify for $40K-$60K More?
The High Performance Home program uses solar energy savings to boost your buyer’s DTI ratio – unlocking more purchasing power with zero down payment and zero cash to close. Same commission for you. Better home for them.
The Deal-Killer You’re Fighting Every Day
You found the perfect listing. Your buyer loves the kitchen, the backyard, the neighborhood. They’re ready to write an offer. Then the financing call comes back: “They need $23,100 for down payment and closing costs.” Or: “They qualify at $330K but this home is listed at $385K.”
Deal dead. Another commission lost to the affordability gap.
But here’s the thing nobody is factoring in: the utility bill. Your buyer is spending $200-$500/month on electricity alone. That’s $2,400-$6,000 per year that’s reducing how much home they can actually afford – and traditional lenders completely ignore it.
What if you could turn that utility expense into buying power?
How the High Performance Home Program Works
The Lowtility program from Primary Residential Mortgage, Inc. (PRMI) bundles solar panels, battery backup, and smart home upgrades directly into the mortgage – all in ONE loan. By reducing or eliminating the buyer’s utility bill, the savings get factored into their debt-to-income ratio.
The formula is simple: HOUSE + SOLAR + SMART HOME = ONE LOAN
The loan CAN exceed the appraised value because the energy savings create real, measurable value.
Additional Buying Power by Utility Savings
| Monthly Utility Bill Eliminated | Extra Buying Power Unlocked |
|---|---|
| $100/mo | +$16,679 |
| $200/mo | +$33,358 |
| $300/mo | +$50,037 |
| $400/mo | +$66,715 |
| $500/mo | +$83,395 |
Want to See This in Action?
Let’s run a scenario with your next buyer’s actual numbers. Free. No obligation.
Real Scenario: 625 Credit Score Buyer
Same buyer. Same $330,000 home. Two very different outcomes:
| Traditional Conventional | Lowtility + DPA + Solar | |
|---|---|---|
| Credit Score | 625 | 625 |
| Sales Price | $330,000 | $330,000 |
| Loan Amount | $313,500 | $353,489 |
| Down Payment | $23,100 | $0 |
| Mortgage (P&I + MI) | $2,226 | $2,281 |
| Monthly Electric | $200 | $100 |
| Total Monthly Cost | $2,426 | $2,381 |
Result: $45/month LESS than the traditional mortgage, $23,100 kept in savings, and a home that makes its own power from day one. That’s a deal your buyer tells everyone about.
Not All DPA Programs Are Created Equal
You’ve dealt with DPA programs before. Income caps. Geographic restrictions. First-time buyers only. The Grid to Green DPA has none of that:
| Feature | Grid to Green DPA | Typical State/HFA DPA |
|---|---|---|
| Down Payment Coverage | Up to 5% | Varies (2-5%) |
| Minimum Credit Score | 580 | Often 620-660 |
| Income Limits | NONE | Usually 80-120% AMI cap |
| Geographic Restrictions | NONE (49 states) | Often county/city-specific |
| First-Time Buyer Only? | NO – repeat buyers too | Often yes |
| Solar Included? | YES – in the mortgage | No |
The Appraisal Advantage: Why Owned Solar Beats Leased
Here’s something that gives you a real edge in listing presentations and buyer consultations. Fannie Mae’s appraisal guidelines treat solar very differently depending on how it’s financed:
Fannie Mae Solar Appraisal Rules
Owned panels (no liens): Appraiser MAY include value in the appraisal. ✅
Financed as a fixture: MAY include if no repossession risk. ✅
Financed as personal property: MAY NOT include (collateral for another debt). ❌
Leased or PPA: MAY NOT include value. ❌
With the Lowtility program, the buyer owns the panels outright. No lease. No lien. No PPA complications at resale. This means the solar system can add real, appraisable value to the home – protecting your buyer’s equity AND making your future listing more attractive.
📅 Coming November 2, 2026: UAD 3.6 Mandate
Fannie Mae and Freddie Mac’s new Uniform Appraisal Dataset will require more detailed reporting of energy-efficient features in all residential appraisals. Owned solar panels will be even MORE visible and valuable. Full retirement of the old standard happens May 3, 2027. Position your buyers ahead of this curve.
What This Means for Your Business
📈 More Closings
When your buyer qualifies for $40K-$60K more, you stop showing homes they’ll settle for and start showing homes they’ll buy.
💧 Remove the #1 Objection
“I don’t have enough saved” disappears with up to 5% DPA and zero cash to close.
💰 Full Commission
Your commission stays exactly the same. Nothing changes on the agent side. This is built into the loan structure.
🚀 A Referral Engine
You didn’t just find them a house – you got them into a home they thought was out of reach, with no money down and lower bills. That client refers you forever.
Ready to Offer This to Your Buyers?
Let’s walk through a real scenario with your next buyer’s numbers. Free. No obligation.
📅 Schedule a Strategy Call
📞 Call (866) SUNNY-PV
Or text us: (240) 392-6375
Dennis Meizys | Solar Yoda LLC | Renewable Energy Consulting Since 2011
solaryoda.com | 443-864-3072
Loan programs referenced are offered by Primary Residential Mortgage, Inc. (PRMI), NMLS 3094. PRMI is an Equal Housing Lender. 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.
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