Click below for Heil purchases

Buy today, pay over time with financing provided by Wells Fargo Bank, N.A.  Subject to approved credit.  Click one of the images below to apply here.

Click below for American Standard purchases

Microf is a relationship based company that places top priority on the wants and needs of our customers. Our innovative rent-to-own strategy provides unmatched flexibility to consumers through quick response times and multiple payment terms and options. Microf helps restore the heating and cooling needs of the consumer with an affordable monthly payment through our extensive contractor network.

5 Things You Need to Know About Microf:

We specialize in lease purchase options for residential replacement HVAC systems.
We have a simple application process.
We offer near-real-time Pre-Approval, Further Review, or Decline decisions.
We offer convenient and affordable monthly renewal payment options based on 36, 48, or 60 months to ownership.
Customers can take advantage of meaningful monthly payment and early purchase option discounts.

Eligibility Requirements

Microf’s program is designed for Homeowners that have an active bank account, and a steady source of income. Homeowners must also show that they have a comfort level with one of the flexible monthly payment options offered by Microf. It is that easy.

The following documents are accepted as verification of eligibility and are needed to complete the approval process:
A completed online application   
Proof of income

For more information, please visit or call 855-MICROF1 (855.642.7631)

For all your Home comfort needs


Through our close partnership with FTL, we offer a variety of flexible options for financing your new product or system. That way, you can invest in your home's comfort or respond to an unexpected heating and cooling need without breaking your monthly budget.

With financing from FTL, you'll enjoy:

Low monthly payments
Preferred interest rates
Flexible terms

Plus, by taking advantage of special FTL financing, you won't use up your existing funding sources, like a home equity line of credit, credit card or bank account. They'll still be available when you need them.

Please contact us to find out which FTL financing options are available to you, or to learn about special financing promotions.ere.

​What is Hearth?

Your renovation guide
Get the advice you need to invest in your living space with confidence. We’re with you every step of the way.

Your budget planner
See what you can afford by comparing rates on personal loans from several partners–without affecting your credit score.

Your financing partner
Fund your project within a couple of days through a fixed-rate loan. No home equity required.