Paying for a new system.
A new system is a real expense, and it usually arrives on the worst possible day. Special financing on installations lets you buy today and pay over time, with approved credit.
Special financing available.
Buy today, pay over time. We offer financing on system installations with a credit card issued by Wells Fargo Bank, N.A., with approved credit.
The monthly payment depends on the amount financed and the financing option you choose. Shorter term financing allows you to pay off your equipment costs more quickly. Money you put down reduces the amount financed. Utility rebates are usually paid after the installation, so they come back to you rather than lowering the balance up front.
Ask about financing when we come out for the estimate. We will walk through the monthly number alongside the equipment options so you can compare them honestly, including what each option costs to run month to month, not just what it costs to buy.
This credit card is issued with approved credit by Wells Fargo Bank, N.A. Equal Housing Lender. Home Comfort Air Services is a contractor, not a lender.
Questions about financing.
Do you offer financing on a new system?
Yes. Special financing is available on installations with a credit card issued by Wells Fargo Bank, N.A., with approved credit. We are the contractor, not the bank: you apply, and Wells Fargo decides whether to approve the account. What we control is the proposal, which spells out the equipment and the work in writing so you know exactly what amount you would be financing.
What affects the size of my monthly payment?
Two things. The amount financed and the financing option you choose. Shorter term financing allows you to pay off your equipment costs more quickly. The amount financed moves with the equipment you choose, the efficiency level, whether ductwork or electrical work is part of the scope, and any money you put down. We will go through the financing options with you at the estimate rather than quote a payment figure on a web page.
Do rebates and the tax credit reduce what I finance?
Usually not at signing, because of timing. Utility rebates through Pepco, BGE or Washington Gas are commonly processed after installation, so they come back to you rather than shrinking the financed balance up front. The federal 25C credit ended after 2025, so the utility rebate is the one still worth planning around. Money you put down does reduce the balance immediately. Confirm current program terms before counting on any of it.
Is there a penalty for paying it off early?
The lender sets that, not us, and the terms differ between programs and change over time. We are not going to promise there is no penalty when we have not read your particular agreement. Raise it during the estimate and we will get you the specifics in writing from the lender before you sign anything. Read the disclosure yourself as well, since it governs, not our summary of it.
Can a repair be financed, or only an installation?
Financing is offered on installations. Repairs are handled differently, and for most repairs the amount involved does not call for financing at all. If a repair on aging equipment is large enough that you are weighing it against replacement, that is worth a real conversation, because the same money often buys far more remaining life going the other direction.
What should I bring to a financing estimate?
Practical things. Who is on the deed or the lease, whether every owner will need to sign, and a rough sense of how long you plan to stay in the house, since that changes which efficiency level is worth paying for. Bring recent utility bills so operating cost can be discussed honestly. The lender collects identification and income information through its own application, not through us.
What happens if the lender turns down my application?
Then we look at the work differently rather than walking away. Sometimes the answer is a repair that safely carries you through another season. Sometimes it is a narrower scope, a different efficiency level, or phasing the project so the failing piece gets handled first and the rest waits. Approval belongs to the lender, but the plan for your house is still ours to work out together.