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Financing Your New Air Conditioning or Heating Equipment Purchase

Wells Fargo Financial National Bank

Wells Fargo Bank, N.A. offers several special options for financing your new product or service with approved credit. That way, you can invest in your home's comfort or respond to an unexpected heating and cooling need without breaking your budget.

With approved credit from Wells Fargo Bank, N.A., you'll enjoy:

  • Convenient monthly payments
  • Special financing terms
  • Easy online account management

Plus, by taking advantage of financing, you won't use up your existing funding sources, like a home equity line of credit, other credit card or bank account. They will still be available when you need them.

Please contact us to find out which financing options are available to you, or to learn about special financing promotions.

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Admirals Bank

The Admirals Bank Home Improvement Lending Division is comprised of dedicated and knowledgeable Business Development Officers with years of lending experience. Since 1987, the Bank has been providing homeowners with financing for home improvements through the FHA Title I Home Improvement Loan Program. As an FHA approved lender, Admirals Bank is a leading national provider of the Title I loan, and consistently funds millions of dollars in home improvements each year.

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Hero Financing

The HERO Program offers a unique, affordable financing option for energy-efficient upgrades for increased efficiency, comfort, and savings. Water-saving upgrades are also available in drought-impacted areas, such as California. HERO offers more consumers access to energy-efficient options because HERO is financed as an assessment on your property. The interest on these payments may be tax deductible.* Approval for HERO is primarily based on the equity in your home and your debt payment history, rather than your credit score. HERO finances 100% of the cost to purchase and install eligible products, with fixed rates and flexible terms of 5-20 years, depending on the improvements you choose.

*Property owners should consult their tax advisor regarding potential tax benefits.

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CaliforniaFIRST Renewable Energy & Efficiency Financing

CaliforniaFIRST is a public/private financing program that provides upfront funding for energy efficiency, renewable energy and water saving improvements for your home. Simply apply, complete your projects and repay the financed amount on your property taxes over the course of up to 25 years. CaliforniaFIRST allows you to save money and energy -- benefiting both you and your community.

  • 100% financing. No out-of-pocket costs
  • Borrow up to 15% of property value
  • Flexible repayment terms: 5, 10, 15, 20 or 25 years
  • May add value to property
  • Fast in-home approvals
  • No prepayment penalty and free re-amortization
  • Balance may transfer to new owner upon sale
  • Financed amount won't appear on credit report and NO impact on future debt-to-income ratio
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Ygrene Energy Fund

Right Now Air, Ygrene and Solono County communities have partnered to offer 100% financing on energy efficient improvements for your home. The Ygrene PACE financing program features:

  • No up-front costs
  • Flexible terms up to 20 years
  • Payments stay with the property
  • No credit score required
  • Financing amounts dependent on home equity

Call us to learn more about Ygrene financing and get your project started.

Apply Now