EPISODE · Apr 13, 2026 · 1H 3M
#8-2026 Don Worthington and the LOWTILITY Energy Efficient and Improvement Mortgages
from BUILDTank / buildCAST · host Robby Schwarz
Unless you have your own company, most of us in the building industry have been laid off. I was laid off in the early 1990’s and decided to start my own company rather than work for someone else. Before getting laid off, however, I was exposed to blower door testing and energy modeling through a state of Colorado funded technical assistance program. I then worked for that State program for a while before becoming a certified energy Rater and home inspector. My new business fully embraced the idea of being able to offer an Energy Improvement mortgage (EIM) to existing home buyers and an Energy efficient mortgage (EEM) for new construction home buyers. It became apparent very quickly that I would not be able to sustain and grow a business on the back of a mortgage product that realtors and mortgage lenders would not embrace so I pivoted with the industry writlarge to working primarily with builders. Energy related mortgages never fully died, and the golden grail has been, to figure out how to more directly adapted the mortgage Principal, Interest, Taxes, and Insurance equation (PITI) to include Energy (PITI+E)Fast forward 30 plus years and let me introduce you to Don Worthington, a mortgage lender with Primary Residential Mortgages who is specializing in bringing back the energy efficient mortgage (EEM) and the improvement mortgage (EIM) through the LOWTILITY mortgage product. LOWTILITY is a home loan designed around the true cost of home ownership that does not ignore operational cost, or the additional costs, that traditionally always occur, to make a newly acquired home livable and comfortable. Don Worthington on LinkedIn LOWTILITY Energy Efficient Mortgages Green Builder Media Frontlines of Climate Action: TurningUtility Bills Into Buying PowerPrimary Residential Mortgage, Inc
What this episode covers
Unless you have your own company, most of us in the building industry have been laid off. I was laid off in the early 1990’s and decided to start my own company rather than work for someone else. Before getting laid off, however, I was exposed to blower door testing and energy modeling through a state of Colorado funded technical assistance program. I then worked for that State program for a while before becoming a certified energy Rater and home inspector. My new business fully embraced the idea of being able to offer an Energy Improvement mortgage (EIM) to existing home buyers and an Energy efficient mortgage (EEM) for new construction home buyers. It became apparent very quickly that I would not be able to sustain and grow a business on the back of a mortgage product that realtors and mortgage lenders would not embrace so I pivoted with the industry writlarge to working primarily with builders. Energy related mortgages never fully died, and the golden grail has been, to figure out how to more directly adapted the mortgage Principal, Interest, Taxes, and Insurance equation (PITI) to include Energy (PITI+E)Fast forward 30 plus years and let me introduce you to Don Worthington, a mortgage lender with Primary Residential Mortgages who is specializing in bringing back the energy efficient mortgage (EEM) and the improvement mortgage (EIM) through the LOWTILITY mortgage product. LOWTILITY is a home loan designed around the true cost of home ownership that does not ignore operational cost, or the additional costs, that traditionally always occur, to make a newly acquired home livable and comfortable. Don Worthington on LinkedIn LOWTILITY Energy Efficient Mortgages Green Builder Media Frontlines of Climate Action: TurningUtility Bills Into Buying PowerPrimary Residential Mortgage, Inc
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#8-2026 Don Worthington and the LOWTILITY Energy Efficient and Improvement Mortgages
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