Financing new central AC advice?
- Thread starter CB3UK
- Start date
or son.
Peoples *** always gets up in the air when someone calls them out for what they are...
I would trust an acme company owned by Wiley coyote before Bryant solely based on your spinning answers...have a good night...jus my opinion
Last edited:
You started the attacks, old dude. Not me. It's Wile E Coyote, btw. Which I'm sure you'll try to spin into a shot at me working with my family and having friends. Which is apparently untrustworthy and a bad thing.
what ever dude...spin it how you want, you started it slamming home warranties and who they send for repairs and we know why...I know I'm very happy with my warranty company and who they provide for my services and i also know who I would never recommend ...you have a good night
It's not. We don't sell extended warranties other than the labor warranties that come on new equipment. The service agreements cover cleanings that we actually deliver on an annual basis. I own the company as well, just for the record. Not sure why this is so personal for you but I think it's a hell of a privilege to work with my family everyday and wouldn't trade it for the world. Been doing it since 1996, other than the 2 years in college that I worked in marketing for a different business. Why you think it's a put down is odd. My Dad is my mentor and a hell of business man. If I end up accomplishing 1/2 of what he did I'd be more successful than most.
We had a HWC when we bought our current home. It was included with the purchase, paid for by the previous owners. We had our disposal and water heater replaced through them. We kept up with the HWC for a few years after because we knew sooner or later we would need new HVAC. All we ever got out of it was a crap-load of R22. There were obviously leaks, but getting whichever company they would send out to agree and try to get it replaced never happened. We got tired of it. Not to mention, you won't get "quick" service in an emergency. Most of the time it would be 2-3 days before they could send someone out. Short answer is, HWC are good for everything but HVAC.
But back to the OP. I'm not really sure what your new system is going to cost, and whether a short-term (18 months) is too costly. Like Anth said though, you have to divide that total by 18, 24, 36 or whatever and commit to making that payment until it's paid off, don't just make the minimum payment. If you can't do that, then get a low interest loan.
But back to the OP. I'm not really sure what your new system is going to cost, and whether a short-term (18 months) is too costly. Like Anth said though, you have to divide that total by 18, 24, 36 or whatever and commit to making that payment until it's paid off, don't just make the minimum payment. If you can't do that, then get a low interest loan.
Told this story before but when I was like 23 I bought a Dell on their 12mos SAC program. As most people that age, I was a total dumbass, and paid the min payment listed on the statements. 13th month statement was a kick in the nuts. Lesson learned.
OP should invest a few bucks in a couple fans and window screens. Then he can gut it out until he has the cash to pay for new HVAC. Cases like this are why you should have an emergency fund equal to several months salary.
Just curious, who is your home warranty through? I've generally heard good things about them, and are great if you ever have drain/root issues.
Great call.
We'd absolutely be friends if I though I was getting ripped off.
Can't count the amount of times I've driven by the shop and threw an envelope full of cash at their door just for ***** and giggles.
I have them too. When it came time for a new water heater, it was literally replaced that day when I called.
My issue with them is the HVAC stuff. And they do use plenty of the good local HVAC guys, and sometimes you get some random roughneck outfit. But its always replacing one part and then kicking the can down the road. It says theyll replace the unit in the policy but they never will. My only play is to keep playing this cat and mouse game of fixing one part at a time until the legislation goes into effect stating that all units must be puron going forward. Anyone know when that happens?
I didnt do the FHA. I have zero equity nown. The 80K is the appraised value still on the table after I refi'd. All I did was take what we still owed on our house, gave her 25K to quit claim which came from our equity, refi'd all of that combined for my new mortage. Still paying less than what we were paying together, and now I have some peace and damn quiet around here too [laughing] If banks factor in appraised values for potential new loan offers, then yeah, Ive got plenty of meat on the bone for that. I didnt think they did. Payment #1 on new mortgage is next week, which is why I dont believe I have any equity back yet. Maybe Im wrong.
They just replaced my friends heat pump cost him a little out of pocket but much much less than what he would have paid..
We built our house in 2003. all new appliances everything new...as things started to get old we decided to do the home warranty thing...Mine even covers the doorbells, ceiling fans and so on.. since we have had this they replaced...icemaker twice, new stove, new dishwasher , new hot water heater, pool pump, new pool heater just this week...New kitchen sink faucet, sink disposal, outside water faucet, and Schrader valve on my a/c unit, washer water valve,...all to my satisfaction.. The big thing is the ac and furnace and based on what they did for my buddy and his heat pump yes I will pay some out of pocket, I will be satisfied..I have heard some home warranty companies are ****. Based on research and reviews AHS was the best..Granted there will be some who are never satisfied, but to date I have no complaints at all..another option on the AC replacement, you can always take a buy out (what they will pay for repair or replacement) then you can get multiple estimates and not even use who they send out..another friend did that on his ac unit and the money they paid him for the buy out actually covered the whole cost with who he hired...
Last edited:
Exactly. If you get 18 months same as cash, just divide the total charge by 17 and that’s your monthly payment for 17 months and it’s paid off early to avoid paying one penny of interest. Great tool unless you don’t pay it off before 18 months.
Yeah, mine covers all of that to. ShieldPlus I believe it is. You said you were retired? Im 36 and this my first home, so I'm froggy and repair all of that stuff myself still lol. Im pretty handy and I dont mind doing it. The reality is I only need them at this juncture for the HVAC. But you are right, any of the other stuff you pay the service fee and boom it gets done. But eith the HVAC sometimes it goes smooth, sometimes its a hassle. I cant even begin to explain the b.s. Im dealing with with AHS right now. Id rather tske my monthly payment and put it towards paying off brand new highly efficient units.
they only pay up to so much for freon..that's where they get ya. Some will charge 250.00 plus for 22 a pound. Not sure how they handle the 410 but probably the same..You can always ask them about the buyout for your ac then go with a different outfit to install.. Get estimates , then ask about the buyout. What they would pay plus what you may have to add might be cheaper than going through the warranty company...Keep in mind, once you take a buy out on anything that particular thing is no longer covered. IE we wanted to upgrade our stove, what they was going to pay to replace ours would not pay for what we wanted. (they was replacing with as good or same of what we had) so we took the buyout and added some and got the stove we wanted, however my stove now is not covered by AHS.. And like Anthony said, most of your better name companies offer some sort of financing, some with zero interest.
Yep, exactly the way to do it. Save your $500/year (or whatever) and put that towards a new unit that'll last you much longer.
Dont have to tell me about the freon. Ive had the compressors on both units replaced and now, thanks to a faulty reversing valve, had the one replaced again just over a year later. Im not happy at all about that, hence this thread. That compressor was put in just a year ago...uts time to replace the damn unit. Yet here we are puttibg band aids and bubble gum on there to keep it running so Ill keep giving em $70/month. Its a joke. I know their replacement unit probanly wont be of the caliber of what Id finance, but Im also not sure if I dont want to sell this house in the nearish future, take that big chunk of profit and downsize and have a really nice and tidy mortgage payment.
As yall can all see Ive got several things going on and to consider. I know the right answer is to get new units, but several other mitgating factors in play here for me to consider.
Thanks everyone for chiming in. Going to have them do the patch job for now while I do some deep dive research about what I want and what Im willing to spend.
Don't know anthonys735 in real life but over the years I've seen him offer good HVAC advice for FREE several times. I pay attention to the HVAC threads because I wish I knew more about it. It's always the same type of advice I hear from guys that I trust that I know personally. 55wildcat's obsession is one of the weirder things I've seen on this board over the last 10+ years.
Yeah. I know what my house is appraised for, ehat I can expect upon sale, etc and thats with them. And Im happy with that number. So itd really come down to how much would I have to pay for all new and what would my return on investment be. If its break even and that does nothing for value, then it would at the least help for an easier sale. But obviously, generating extra profit would be preferable.
Anthony does offer solid advice and owns a very very good company. Heard many good things about them. I was just giving him a hard time last night. Don’t know him personally but seems to be a good trustworthy source for hvac issues. I had read somewhere a long time ago he was part of the Bryant family. Just messin with ya Anthony
Last edited:
Agreed. Unless there are kids in the house that “need” AC, I’d just snag a couple window units for you bedroom and living room and “sweat” it out until you can afford the new system. People lived without AC for a long time, that what porches were for. You can do it!
If it's your first house I wouldn't focus too much on higher efficient stuff. Your roi on that stuff is minimal and unless you just have it to burn, are going to be there 20 years, or are really into being green. 14-16 SEER, 5 year labor warranty minimum, wifi stat, couple years of cleanings. They'll throw all that stuff in.
We were always good, man. I've been posting here for 15+ years. I've got really thick skin.
Thats when they phased out R22 and new units had to use puron. Im asking about when its no longer legal for them to even replace the R22. At some point, I wanna say 2022, they just have to replace those old units. Wont be allowed to do what they've been doing.
They have a safe "drop in" version, which is dumb, but I believe it's until the current supply and recycled supply is depleted. I'm not familiar with any future dates. 2020 was basically it. I think 2030 is for any remaining hfcfs out there. As supply of R22 goes down the refill price will continue to go up but also the amount of demand will start(and has already) start to fall because the number of r22 systems are dwindling. So plug that into your econ 101 graph.
@anthonys735 Now that this is an HVAC position of knowledge thread;
What are your thoughts on “High Velocity” systems? Our new-to-us house is an old mock-Tudor with radiators and window units in the original structure and a mini-split and baseboard radiators in the addition (with separate boilers). We need to condition the finished basement, first story, second story, and finished attic. (I do not want to take up space with conventional ductwork.)
We’re planning on adding another floor on top of the addition and putting in new HVAC in ~5 years.
The addition can host new attic for mechanical.
The radiators aren’t a “space problem” for taking up too much room per se, but if we’re putting in High Velocity for AC, should we just use that HV system for heat instead of the radiators? (Or are the radiators better if you don’t mind them taking up floor space?)
(I’ll be emailing you with very sophisticated computer models and scope of all of this when the time comes.)
What are your thoughts on “High Velocity” systems? Our new-to-us house is an old mock-Tudor with radiators and window units in the original structure and a mini-split and baseboard radiators in the addition (with separate boilers). We need to condition the finished basement, first story, second story, and finished attic. (I do not want to take up space with conventional ductwork.)
We’re planning on adding another floor on top of the addition and putting in new HVAC in ~5 years.
The addition can host new attic for mechanical.
The radiators aren’t a “space problem” for taking up too much room per se, but if we’re putting in High Velocity for AC, should we just use that HV system for heat instead of the radiators? (Or are the radiators better if you don’t mind them taking up floor space?)
(I’ll be emailing you with very sophisticated computer models and scope of all of this when the time comes.)
Only done the replacements, not the whole thing. The hv systems are cool as hell. My worry would be replacement parts and up front cost but this is not my expertise.
They should be able to use a heat pump and you could keep baseboards for the dozen or so really cold nights per year. Plus, most people like radiator heat and if they're old school they give a neat look to the room.
They should be able to use a heat pump and you could keep baseboards for the dozen or so really cold nights per year. Plus, most people like radiator heat and if they're old school they give a neat look to the room.
Well I think we all know the righr answer is to replace it all and finance it, since Im not going to have the total purchase price sitting around my bank account anytime soon. Id like to be able to patch this particular s.o.b. and get through this summer and next spring get this going, ideally. If I were using AHS like the other guy is for everything itd make sense. But Im not gonna pay a 75 fee for someone to install a doorbell when wire and a new doorbell might cost me $30 total. Some of the other stuff, like replacing a faucet...well, I dont want contractor grade in my house. Finish and style all matter there, and frankly replacing one isnt hard. For single women or older folks with discretionary income I understand not having to fool with it offsets that.
Speaking of, they make UK doorbells folks. I bought one at Home Depot. Youre welcome...get to it this weekend [winking] do it before the wife notices and complains.
Speaking of, they make UK doorbells folks. I bought one at Home Depot. Youre welcome...get to it this weekend [winking] do it before the wife notices and complains.