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. You can find financing through dealers and retailers, your home's value, government loan programs and your power company. Step 1Get financing from the HVAC manufacturer or seller. Manufacturers, 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. car air conditioning repair berkshireBoth 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. mold smell from ac unitStep 4Check with your power company or local agencies for options and help. atc air handling unitProviders, 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; December 2007Indiana Department of Financial Institutions: Home Equity Loans & Lines of CreditUnited States Department of Housing and Urban Development: Property Improvement Loan Insurance (Title I)Lawrence Berkley Naitonal Laboratory: Environmental Energy Technologies Division: Clean Energy Financing Policy Brief: HUD PowerSaver Pilot Loan Program;

Dec. 10, 2010Federal Register: Federal Housing Administration: Notice of FHA PowerSaver Home Energy Retrofit Loan Pilot ProgramPSNC Energy: Do You Offer HVAC Financing? Photo Credits Jupiterimages/liquidlibrary/Getty Images↓ Skip to Main Content Service contracts, repair and new installation of well pumps, pipes, lines, and sewer systems – including bathroom remodeling and water heaters. Installation, service and repair of heating and air conditioning systems – including natural gas, air source heat pumps, ductless heating / air conditioning  and radiant heat systems. Service and installation of water conditioners, UV water systems, and pressure tanks to ensure your drinking water is safe. WHY TURN TO THE EXPERTS AT JEFF LOWE PLUMBING? With expertise that extends beyond 100 years. Lowe Plumbing is a company with a reputation built on exceeding client expectations. Every job is done right, no exceptions. Lowe Plumbing repairs, installs and maintains both residential and commercial HVAC, Heating and Cooling Systems, in addition to providing superior plumbing services.

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We are currently running a summer special: $200 Air Duct Cleaning; includes the cleaning of unlimited number of vents, returns and main lines based on one heating/cooling system. Does not include the cleaning of Air Handling unit. For details please call 1 (800) 699-0955. Learn how HomeAdvisor screens and approves their pros. Warranty Description: If not satisfied, the cleaning process will be repeated absolutely free. National Air Duct Cleaners Association (NADCA) Angie's List Super Service Award 2013 Angie's List Super Service Award 2014 *HomeAdvisor verifies state-level licensing where applicable - note: some states require local or county level licensing and you should verify whether or not your pro is properly licensed. Actively supporting charity organizations. We started in this industry in 2006. We describe our business as Well established Clean Air Ducts and Vents in Glen Burnie, MD 1 of 1 users found this review helpful.

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