Upgrading your heating and air conditioning equipment is never more affordable. Homeowners in Southeastern Pennsylvania, which includes Philadelphia, Bucks, Montgomery, Delaware and Chester counties, can upgrade their heaters and air conditioners with new high efficiency equipment. Financing Rates of .99, 4.99 and 5.99 percent are available for terms up to 10 years to help make high efficiency equipment affordable to almost all homeowners. For example, for a 10 year $10,000.00 loan, the monthly payment is less than 100.00 per month. This payment is largely offset by utility savings incurred with the newer high efficiency equipment.