Financing that actually works for you.
A new HVAC system is a big purchase. Multiple lenders, multiple terms, and promotional financing options for qualified buyers. Subject to approved credit. We show you payment vs. out-of-pocket math and let you decide. Financing is offered, never pushed.
- Three lenders
- Multiple terms
- Never pushed
Apply from home
You can apply for Wells Fargo financing online, from home, before we ever set foot in your house. The application takes a few minutes and goes directly to Wells Fargo, not to us.
Our lenders
We work with three lenders, so you have more than one option. Your comfort advisor can walk you through which one fits.
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Promotional financing options on new systems, subject to approved credit. You can apply online from home using the button above.
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Home-improvement financing for HVAC replacements, subject to approved credit.
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Lease-to-own options for HVAC systems, for homeowners who want another path, subject to approval.
How it works
1. Free in-home estimate
A licensed tech walks your home and writes up three options side by side. Each one lists the equipment and brand. It also shows the warranty and the total out-the-door price.
2. Apply for financing
Apply in minutes. We work with Wells Fargo, Aqua Finance and Microf, so you have more than one lender to choose from.
3. Pick the option that fits
Promotional financing options are available. Longer terms spread the payment further. We'll show you the math both ways.
4. Install on your schedule
If financing is approved, we install on your calendar, usually within a week. No waiting on paperwork.
What we won't do
Everybody has heard an HVAC financing horror story. The high-pressure pitch, the mystery interest rate, the contract that makes sense only after it's too late. Our rules:
- We don't push you into financing if cash makes more sense for your situation.
- We don't bury details in fine print. The interest rate, term, and total cost are on the contract you sign, not in a 30-page PDF.
- We don't get kickbacks that distort our recommendations. Our techs are paid on quality of work, not on what financing tier they sell.
- We don't tie financing approval to a more expensive system. The financing options are the same for every tier.
Utility rebates
Local utility rebates can offset part of your install cost. We track current programs and apply eligible amounts to your written quote automatically.
CenterPoint Energy rebates
CenterPoint Energy offers HVAC replacement incentives on qualifying high-efficiency central AC, heat pump, and mini-split systems (15.2 SEER2 and up). Per CenterPoint, incentives start at $200 and can go higher depending on the install, applied on the install invoice. We track the active programs and apply them to your quote so you don't have to chase paperwork.
Federal tax credits
The federal 25C heat pump credit (up to $2,000) and the 25D geothermal credit (30%) ended for systems placed in service after December 31, 2025. They do not apply to a new install today, so we no longer show them on quotes. If your system went in during 2025 or earlier, your accountant can confirm what applied to that return.