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Best For: Homeowners with FICO 600+ needing
long terms & approval flexibility
Soft credit check
Fixed APR starting at 8.99%
Up to 20-year terms
Covers HVAC, insulation, roofs
Great for mid-range projects
Low MDR = more flexibility
Best For: Fair-to-good credit homeowners
(FICO 660+)
Soft credit check
$0 Down with fast approvals
Loan terms from 5 to 25 years
Autopay savings
No prepayment penalties
Bundle upgrades: HVAC + solar + more
Best For: $0 down, predictable costs, all-inclusive service
Soft credit check
$0 down, flat monthly fee
10–12 year lease terms
All maintenance, parts, and repairs included
No liens or debt added to your home
Flexible end options: renew, upgrade, buy, return
Best For: Prime-credit homeowners
(FICO 680+)
Soft credit check
$0 Down with fast approvals
Fixed APR from 6.99%–9.99%
Loan terms up to 15 years
Clear terms, fixed payments
12 Months No Payment
Bundle upgrades: HVAC + solar + more
Best For: Equity-rich homeowners with lower credit or unique upgrade needs
No credit score required
$0 down, up to 30-year terms
Paid through property taxes
Stays with the home if sold
Covers roofing, insulation, hurricane upgrades
Up-to-date mortgage & taxes
Orange County
Osceola County
Polk County
Seminole County
Full diagnostic of system components and airflow
Code-compliant repairs & installations
Smart system upgrade recommendations
Transparent pricing with zero upsell pressure