Palmetto Lease to Own Financing
Worry-Free HVAC: The Palmetto Comfort Plan
The Challenge: Changing Market Dynamics
Traditional HVAC replacement has become increasingly difficult for many homeowners due to:
- Rising System Costs: Most consumers do not have over $15,000 readily available for upfront costs.
- Stretched Consumer Credit: High debt-to-income (DTI) ratios often limit a homeowner’s ability to secure traditional financing.
- Service Pains: Homeowners face constant unknowns regarding the lifespan and maintenance costs of their HVAC systems.
The Challenge: Changing Market Dynamics
The Palmetto Comfort Plan is a modernized, app-based experience that provides a fully bundled HVAC replacement with immediate approvals.
- No Upfront Debt Constraints: Features a soft credit pull with no DTI ratio requirements.
- Flexible Terms: Choose between a 10 or 12-year initial term (120 or 144 months).
- Predictable Payments: Fixed monthly payments with low annual escalation options of 0%, 0.99%, or 1.99%.
- Full Coverage: Includes annual maintenance, replacement filters, and an extended parts and labor warranty for the entire term.
- Protective UCC Filings: A UCC filing is only initiated if a customer payment is more than 60 days delinquent.
Is the Comfort Plan Right for You?
Our plan is designed to fit a variety of homeowner needs:
Younger Homeowners: Perfect for those with a “subscription mindset” who value predictability and convenience over surprise repair bills.
Rental Property Owners: Simplifies budgeting with one flat monthly payment that covers maintenance and repairs, reducing tenant complaints.
Older Homeowners: Provides total peace of mind and budget certainty for 10 years without the hassle of managing repairs.
The Electrification Journey: Ideal for energy-focused consumers looking to upgrade to high-efficiency systems without impairing their purchasing power.
*Terms and Conditions may apply
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