With the approach of those hot summer months, many homeowners dread dealing with a worn-out air conditioner or paying those exorbitant power bills through the summer. If you already know you’re AC unit is on its last legs, but you can’t afford a new one, it’s time to call the pros at ACE Home Services. We’ve teamed up with one of the homeowner’s best friends, Microf. They allow us to offer you innovative AC financing for most of our customers. With their rent-to-own program, you can have a new, modern and efficient air conditioner or HVAC system installed in your home with up to 100 percent financing! If your credit rating is bruised and you simply don’t have the cash on hand to purchase a net unit, that is no reason to have an unbearable summer. At ACE Home Services we offer the latest in energy-efficient heating and cooling units, and AC financing from Microf will help you stay cool and save money with every minute of your new unit’s operation. The HVAC financing from Microf is not like that of a traditional loan.

You don’t have to come up with a down payment or provide a credit score. You simply fill out the easy-to-complete online application and get a response in 24 hours or less. You will also find a friendly Relationship Manager at 855-MICROF1 ready to help guide you through the application and approval process. Our goal is to help our customers stay cool with efficient HVAC units, and the rent-to-own AC and HVAC financing from Microf helps us fulfill that mission. Payment options are based on 23-month, 35-month, 47-month, or 59-month terms, and you receive a guaranteed purchase option payment plan. As temperatures rise, your old unit is put under increasing stress. Older AC units will often fail when you and your family need them the most, but you can call now and avoid a loss of your air conditioner due to a breakdown during the hottest time of the year. Don’t be intimidated by the hot summer months in the Valley of the Sun, when you can gain the peace of mind and comfort that comes with a brand new air conditioning unit.

Our experienced HVAC professionals can help you decide on the best unit to meet your needs, and Microf financing can help make that installation a reality. Take advantage of the savings you can find on many modern AC and HVAC units and keep your family comfortable all year-round. If you are in need of major repairs on your AC unit and lacking cash, we offer a great solution. Our relationship with Microf allows you to finance up to 100 percent of a new air conditioner on a rent-to-own basis. Don’t let the summer heat get you down – call ACE Home Services today to discuss how you can get your new AC unit and stay cool!An HVAC system's life depends upon proper maintenance and repair. A heating, ventilation and air conditioning (HVAC) system heats and cools a home by drawing air from the outside. The National Association of Home Builders says that, on average, units last 15 to 25 years. According to the Home Improvement Guide, they cost about $3,000 to $5,000 if your ducts function well, or $6,000 to $10,000 if you need new ones.

Getting credit or a loan helps you meet the significant financial committment that HVAC installation brings. york ac parts phoenixYou can find financing through dealers and retailers, your home's value, government loan programs and your power company. carrier heat air conditioner unitsStep 1Get financing from the HVAC manufacturer or seller. what is the cost of a 3 ton ac unitManufacturers, such as Lennox, Carrier and Trane, arrange with credit card companies to let you charge the purchase price. You can apply online with the manufacturer or dealer or in person at the dealer's office or store. Big-box home improvement retailers, such as Sears, Lowes and Home Depot, offer their own credit cards. With many of these cards, you are not limited to just the HVAC, but may make other purchases and get cash advances.

These cards generally don't rely on your home to guarantee repayment. As a result, interest rates can run as high as 28 percent on some cards. Step 2Use your home equity to finance the HVAC. You can borrow against the difference between your home's value and what you owe on it with a home equity loan or home equity line of credit. A home equity loan is a one-time draw, while a home equity line of credit works like a credit card. Your loan is limited to 75 percent to 80 percent of the equity. If you have $10,000 in the home, you can use up to $7,500 to $8,000 to buy the system. You pay less interest with loans against your home than dealer or store-connected credit cards. Borrowing against your home makes your HVAC purchase tax deductible, but you can lose your home and the HVAC if you fall behind. Step 3Consider a home improvement loan backed by the Federal Housing Administration. According to Energy Star, your HVAC replacement is a home improvement for which you can get FHA financing.

The federal government has rolled out a pilot PowerSaver program targeting those who choose energy-efficient HVAC units, typically those with the Energy Star label. Both the traditional Federal Housing Administration and the pilot programs let you borrow up to $7,500 without putting up your home as collateral, but you must have home equity to participate in the PowerSaver program. Step 4Check with your power company or local agencies for options and help. Providers, such as PSNC Energy in North Carolina, connect with participating dealers to let you pay for your HVAC through your monthy electric bill. According to Energy Star, power companies and energy loan programs will help you with low interest rates if you opt for energy-efficient systems and products; Austin Energy, community owned and run by the City of Austin, has interest rates from zero percent to 6.5 percent depending on the loan amount. Tips References The Home Improvement Guide: HVAC Prices and Average Costs for Residential InstallationsNational Associaiton of Home Builders/Bank of America Home Equity: Study of Life Expectancy of Home ComponentsLennox: HVAC Financing: Go GE CapitalCarrier: Carrier Credit CardEnergy Star: Financing Guidebook for Energy Efficient Program Sponsors;