Financing

HVAC Financing
Support

HVAC upgrades are a major investment. For qualifying design-build scopes, we provide clear project documentation and Synchrony application support — including 0% interest for 36 months, no-interest-if-paid-in-full within 6 or 18 months, and fixed APR plans from 5.99% for eligible homeowners (subject to credit approval).

Synchrony promotions

Available HVAC Financing Plans

Qualified Bay Area homeowners may access Synchrony promotional financing for qualifying design-build scopes — including deferred-interest terms, 0% APR plans, and fixed-rate options. Final terms are set by Synchrony at approval.

  • Plan 600 · Deferred interest

    No interest if paid in full within 6 months

    No Interest if Paid in Full within 6 Months

  • Plan 603 · Deferred interest

    No interest if paid in full within 18 months

    No Interest if Paid in Full within 18 Months

  • Plan 982 · 0% APR

    0% interest for 36 months

    0% Interest for 36 Months

  • Plan 980 · Fixed APR

    5.99% APR until paid in full

    5.99% APR until Paid in Full

  • Plan 983 · Fixed APR

    9.99% APR until paid in full

    9.99% APR until Paid in Full

  • Plan 984 · Fixed APR

    12.99% APR until paid in full

    12.99% APR until Paid in Full

How we help

Finance Your HVAC Upgrade

HVAC upgrades are a major investment. For qualifying design-build scopes, we provide clear project documentation and Synchrony application support — including promotional terms for heat pump installation , full-system HVAC replacement , and remodel HVAC scopes .

3rdGen can help clarify project scope, organize invoices and installation records, and provide application support that matches what lenders typically require — without acting as a lender ourselves.

Before you apply

Important Financing Notice

Financing through Synchrony is subject to credit approval. Promotional rates, plan numbers, and availability may change. Minimum monthly payments are required. Deferred-interest and 0% APR promotions may accrue interest if the balance is not paid in full by the end of the promotional period. 3rdGen is not a lender and does not set financing terms.

Common Questions

Common questions

Heat Pumps

Can a heat pump replace my furnace?

Yes — whole-home gas-to-electric conversions are a core part of our work. We size heat pumps for calculated heating and cooling loads, plan electrical capacity, and coordinate distribution — not a same-size swap based on your old furnace label.

Do heat pumps work in Bay Area weather?

Modern cold-climate heat pumps perform well in Bay Area winters and summers when sized with Manual J and installed with proper distribution. Coastal microclimates and inland heat spikes are why we engineer each home — not assume one product fits all.

What brands do you install?

We are Mitsubishi Electric specialists and design around the best technology for your home — ducted, ductless, or mixed layouts sized with Manual J/S/D, not rule-of-thumb equipment swaps.

Load Calculations

What is a Manual J load calculation?

Manual J is the ACCA standard for calculating heating and cooling loads room by room based on your home’s envelope, windows, orientation, and local climate — not square footage rules of thumb. We use it to size equipment and duct systems so your system performs in real Bay Area conditions.

Why not size HVAC equipment by square footage?

Square-footage rules ignore insulation quality, window area, shading, air leakage, and how your home actually gains and loses heat. Oversized equipment short-cycles, wastes energy, and struggles with comfort and humidity. Manual J matches capacity to measured loads.

What are Manual S and Manual D?

Manual S selects HVAC equipment that matches Manual J loads without oversizing. Manual D sizes and lays out duct systems for proper airflow and static pressure. Together with Manual J, they form the engineering backbone of our design-build installs.

Cost, Rebates & Financing

Do you offer financing directly?

We do not act as a lender. We provide scope clarity and documentation that helps you work with your bank, credit union, financing partner, or Synchrony where applicable.

Are 0% interest promotions available?

Synchrony promotions for qualifying homeowners may include no-interest-if-paid-in-full within 6 months (Plan 600) or 18 months (Plan 603), 0% interest for 36 months (Plan 982), and fixed payment plans at 5.99%, 9.99%, or 12.99% APR until paid in full (Plans 980, 983, 984). Availability and final terms are set by Synchrony at approval; we help you apply with clear scope documentation.

When should I ask about financing?

Early in planning helps — once we understand scope and timeline, we can tell you what documentation to expect, which promotional terms may apply, and whether Synchrony or another path fits your project.

Can financing and rebates apply to the same project?

Often yes. Many homeowners use rebates or tax credits alongside financing. We keep documentation organized for both paths when your scope qualifies.

Are rebates available for heat pump projects?

Many Bay Area projects qualify for federal tax credits, TECH Clean California, HEEHRA (income-qualified), and utility programs we support — including SJCE EcoHome Network, SVCE FutureFit, and Peninsula Clean Energy approved-contractor rebates — when equipment, sizing, and documentation meet current requirements. We design installs for program eligibility and provide documentation — we do not issue rebates or guarantee specific dollar amounts.

Is financing available?

We are not a lender. We provide scope clarity, invoices, and installation documentation that support financing applications. Homeowners often use Synchrony or their own bank or credit union — we help you understand what paperwork your lender typically needs.

Service Area

What areas do you serve?

We serve homeowners across the San Francisco Bay Area — East Bay, San Francisco, Marin, Peninsula, Lamorinda, Walnut Creek, Tri-Valley, and South Bay — on design-build residential HVAC projects. We do not provide emergency repair or maintenance on existing systems we did not install.

Process

Do you help with permits?

Yes. Permit, Title 24, and inspection coordination are part of our design-build scope — not a surprise add-on at the end. We retain load calc and equipment documentation your jurisdiction and rebate programs commonly require.

Do you offer HVAC repair, maintenance, or emergency service?

No. We focus on project-based residential HVAC — heat pump installations, full-system replacements, remodels, retrofits, new construction, and ADUs. We do not provide emergency repair, routine maintenance, tune-ups, filter changes, or small service calls.

Company

What is the difference between 3rdGen Building Systems and 3rdGen Heating & Cooling?

3rdGen Building Systems is the licensed mechanical contractor for commercial, industrial, and project-team work. 3rdGen Heating & Cooling is the residential HVAC division / DBA focused on homeowner design-build — heat pumps, remodels, ADUs, and whole-home replacements.

Discuss Financing for Your Project

Tell us about your project scope and timeline. We’ll follow up with documentation guidance and financing pathways that may apply to qualifying installs.