Qualitech Heating & Cooling is neither a lender nor a broker. All financing is provided by 3rd party lending institutions under the terms and conditions of each lender. All applications are subject to approval through credit, income, and residency verification. All advertised finance terms, rates and payments are subject to change without notice. Advertised terms are solely to be used as estimating tools, actual terms will be disclosed at time of approval. Not all applications will be approved for all programs. Qualitech Heating & Cooling does not assist with, counsel, or negotiate financing other than submitting credit applications on behalf of our customers to the lender. Approved applications become customers of the lender and will make payments directly to the lender. Lender has final say to approve or decline of an application based on fair lending guidelines.