Question 1

Do I have to submit my info to see numbers?

Accepted Answer

No. The calculator runs entirely in your browser — play with sliders and see your monthly payment instantly. Submit only when you want a real APR locked in.

Question 2

Are APRs accurate?

Accepted Answer

They're directional. Real APR depends on credit score, term, and the active promotional programs. Common Houston-area offers we see: 9.99% / 120mo for lowest monthly, and 0% / 18mo for short-term no-interest deals.

Question 3

How does the IRA credit affect financing?

Accepted Answer

The IRA $2,000 heat-pump credit is a federal tax credit (Form 5695) — it offsets your tax liability, it doesn't reduce the amount financed. We surface "Net after credits" so you see the true take-home cost.

Question 4

What about CenterPoint rebates?

Accepted Answer

CenterPoint and TXU run efficiency rebates that vary by program year. Typical rebates are around $300–$700 for SEER2 upgrades. We verify the active program at your quote.

Question 5

Lowest possible monthly payment?

Accepted Answer

Stretching to 120 months at ~10% APR gives the lowest sticker monthly. Total interest is higher, but it's often the right call for cash-flow buyers. The 3-term comparison table makes the trade-off explicit.

Question 6

What happens when I click "Lock in this rate"?

Accepted Answer

Your scenario goes straight to our financing specialist (no third-party submission). They call you back the same business day with a real rate quote — no credit pull until you actually want to proceed.

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