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$0 down, fixed monthly lease payment
10- or 12-year terms with renewal options
All maintenance included (annual tune-ups, filters, inspections)
Parts and labor warranty for the entire lease
No liens, no home equity required
Soft credit check for approval — no DTI requirements
Full coverage for HVAC installation, repairs, and service calls
No surprise expenses — everything is built into one payment
Choose your lease term (10 or 12 years).
Sign electronically.
We install your new high-efficiency system.
Pay one flat monthly fee that covers your equipment, service, and maintenance.
Families who want no-hassle, all-inclusive service built into one payment.
Homeowners who prefer a lease instead of a loan — no debt, no liens.
People tired of unexpected HVAC repair bills.
Households looking for budget stability and maintenance included.
Homeowners planning to upgrade again in 10 years — with options to renew, buy out, or upgrade to the latest system.
Unlike a traditional loan, LightReach is a lease program — not debt. You don’t take on a large balance, pay interest, or put a lien on your home. Instead, you pay one predictable monthly fee that covers your HVAC system, installation, maintenance, filters, parts, and repairs. It’s an all-inclusive subscription for comfort, backed by Palmetto and serviced locally by Soligo Air.
No. Under LightReach, Palmetto owns the HVAC system during your lease term. You enjoy full use, service, and warranty coverage for one flat payment.
You have several options:
Renew: Continue leasing at a reduced monthly rate.
Upgrade: Start a new lease with a brand-new system.
Buy Out: Purchase the system at a fair market price.
Return: End the lease and have the system removed.
Yes. If you’re happy with your system, you can simply renew. Most homeowners choose a 1-year or 3-year renewal. During renewal, your monthly payment is reduced (up to 25% lower than the final lease year), so you continue enjoying reliable comfort at a lower cost.
You can choose to upgrade. At the end of your term, you can start a new LightReach lease with the latest high-efficiency HVAC system. Upgrading gives you the benefit of modern technology, lower energy use, and a fresh full-term warranty — all with $0 down and one predictable payment.
Yes. If you’d like to keep your HVAC system, you can purchase it at the end of your lease for a fair market value buyout price. This option lets you transition from leasing to owning while still having enjoyed years of included maintenance and repairs.
You can choose to end your lease. Palmetto will remove the system at the end of your term, and you won’t owe any further lease payments. This option gives you the flexibility to walk away if your plans or needs change.
You can either transfer the lease to the new homeowner (with Palmetto’s approval) or buy out the remaining lease balance at closing.
Yes. Annual tune-ups, filter changes, and all repairs are covered at no extra cost.
Pre-qualification uses a soft credit check, which won’t impact your score. Final approval may require a hard inquiry.