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Financing, Rebates and Credits

Learn More about Your San Jose Heating, AC, Electrical and Solar Options

At Valley Heating, Cooling, Electrical and Solar, we understand that upgrading your home or property to a newer, more efficient comfort system is an investment. And while we believe that this investment is worthwhile, the upfront cost of a new heating and cooling system, electrical upgrade or solar panel system can be limiting. With this in mind, we are proud to offer a variety of financing and credit options for our customers throughout Silicon Valley and The South Bay. There are also several rebates and federal tax credit options available to California homeowners who wish to make the switch to solar.

Learn more about our financing, rebate and credit options for heating, AC, electrical and solar in San Jose and the surrounding areas. Call us at (408) 868-5500 today!

Financing Options

We offer several financing options for our customers who are looking to install a new heating, air conditioning or electrical system.

Financing through Your GEOSmart Authorized Contractor

You can take advantage of 100% unsecured “Same-As-Cash” financing, which allows you to make no payments and pay zero interest for up to 18 full months!

  • 100% unsecured energy efficiency financing available
  • 6, 12 and 18 months same-as-cash/no payments
  • Quick and easy loan-by-phone application process
  • No application fee, closing costs or pre-payment penalties

GEOSmart financing is available exclusively through GEOSmart Authorized Contractors. Through our active membership in EGIA, Valley Heating, Cooling, Electrical and Solar — a GEOSmart Authorized Contractor — has made a commitment to providing high-quality energy-efficient products to the marketplace and has also shown ongoing support of EGIA’s mission to advance energy efficiency and renewable energy solutions nationwide.

EGIA (the Electric and Gas Industries Association) is a non-profit organization committed to improving energy efficiency. EGIA offers industry-leading financing options to contractors that specialize in carrying out energy efficient home improvements.

Financing is available on approved credit.

Loans provided by EnerBank USA (1245 E. Brickyard Rd., Suite 640, Salt Lake City, UT 84106) on approved credit for a limited time. Repayment terms vary from 18 to 126 months. 17.15% fixed APR subject to change. Interest waived if repaid in 365 days.

EnerBank USA has helped tens of thousands of homeowners get the payment options they need to fulfill their home improvement and remodeling dreams. EnerBank USA is a wholly owned subsidiary of CMS Energy Corp., which is traded on the New York Stock Exchange under the symbol CMS.

PACE Financing

Property Assessed Clean Energy, or PACE, is a simple, straightforward financing program for those wishing to perform energy-efficient home improvements and upgrades. PACE allows people to improve their homes with upgrades that promote energy efficiency, water conservation and renewable energy. The program can be used to cover the costs of new heating and air conditioning installations, electrical upgrades/lighting improvements, solar panel installations, energy efficient water pump installations, insulation upgrades and more. Additionally, PACE financing is available for properties of all types and sizes, including small residential homes up to large commercial buildings.

PACE financing can not only help you save money; it can also add value to your home or property.

How it works:

  • Use PACE to cover up to 100% of the cost of your home or property improvement project.
  • Repay your loan over the course of a 20-year period via an assessment added to your property tax bill.
  • Keep PACE financing with your building upon the sale of your property to increase its overall value.

PACE financing offers numerous benefits, including a fast application process (receive a decision in as little as 90 seconds!) and the fact that it can be easily shared with tenants. PACE is used by both local and state governments to improve energy efficiency, reduce carbon footprints, promote job creation and economic development and protect and preserve our environment.

Rebates and Credits

If you’re considering upgrading your home or property to be more energy efficient, you may be eligible for certain rebates and tax credits.

Federal Solar Tax Credit

Homeowners who purchase and install solar energy systems may qualify for the Solar Tax Credit (25D) offered by the U.S. federal government. To qualify, the property where solar panels will be installed must be a primary or secondary home and may be either an existing property or new construction. Rental properties do not qualify. If you choose to take advantage of the federal solar tax credit, up to 9% of the total retail cost may be covered of the Solar-Ready Heat Pump or Air Conditioner that’s at the heart of the SunSource® Home Energy System when solar modules are applied. Additionally, up to 30% of the cost with no upper limit on solar module installation may be covered.

Federal HVAC Tax Credit

The U.S. federal government offers a heating, ventilation and air conditioning (HVAC) tax credit (25C) for residential equipment purchased and installed between 2012 and 2021. To qualify, the equipment must have been installed in an existing building that serves as your primary residence. Additionally, if you claimed $500 or more for your home’s energy efficiency improvements between 2006 and 2014, you will not qualify for the federal HVAC tax credit. If you claimed less than $500 for your home’s improvements during this time period, you may still qualify but only a portion of your costs will be covered.

The federal HVAC tax credit may cover:

  • Up to 10% of the cost to $500, or a specific amount from $50 to $300
  • $300 maximum credit available for qualifying central air conditioners, heat pumps, packaged units and ductless mini-split systems
  • $150 maximum credit available for qualifying furnaces and boilers

Federal Energy Efficiency Tax Credit

In February, the Bipartisan Budget Act of 2018 extended several tax credits for residential energy efficiency improvements that expired on December 31, 2016. This means that residential energy-efficiency products and installments made throughout the year 2017 are retroactively qualified for the federal tax credit.

Find more information about federal tax credits, visit

For information regarding local energy tax credits, search the DSIRE Database of State Incentives for Renewables and Efficiency® at or contact us.

Lennox® Rebates and Financing

Please click to see current rebates and financing options

How to Claim an Energy Tax Credit

Claiming your energy tax credit is a relatively simple process. You’ll need to enter the product model number and indoor coil model number of your qualifying equipment on your IRS Form 5695. If you need assistance finding these numbers on your Lennox® or other energy-efficient HVAC equipment, simply give us a call. Our team is happy to assist you with the process. We also recommend that you contact a tax professional for specific advice regarding your energy tax credit.

Contact Valley Heating, Cooling, Electrical and Solar at (408) 868-5500 to learn more about financing, rebates and credits for your San Jose heating, AC, electrical or solar equipment.

Our Testimonials

Hear From Happy Customers
  • “We got them off of Angie’s List and they held up to my expectations. ”

    Sharon C., San Jose, CA
  • “I have terrible allergies, so, they recommended some special filters on the furnace and a UV light on my central air conditioning system. It helped me tremendously.”

    Dixie S., Sunnyvale, CA
  • “I have relied on Valley Heating for over 25 years!”

    K. Sportello, Willow Glen
  • “The installers worked the entire time they were on the job. No wasted time. ”

    J. Reynolds, San Jose
  • “They were prompt. They came in and delivered the type of equipment they said they were going to do and hooked it up.”

    Diane L., Milpitas, CA
  • “Everybody was nice, they had a fair price!”

    Joe S.
  • “They understood how important customer service is.”

    Club Pilates North San Jose San Jose, CA
  • “Outstanding service”

    Carl J Schulz Sunnyvale, IL
  • “The two gentlemen were professional and worked hard. Good job.”

    Former Customer
  • “I would observe their work and I was impressed. They did it work quickly and always cleaned afterwards.”

    D. Matsuhiro, San Jose
  • “Very professional – from start to finish. ”

    F. Gustafson, San Jose
  • “Nice, honest, and very fast and extremely professional.”

    R. Canepa, San Jose `
  • “But their people treated our home as if it were theirs, right down to the screws. They clearly had far more knowledge than their competition, and it showed. ”

    Kellye & Dr. Douglas Robinson, Los Gatos
  • “My wife thinks I am a genius. She is correct, after all I picked you guys. ”

    P. Ross, Campbell

What Makes Us the Home of Old-Fashioned Service?

  • 100% Satisfaction Guarantee

  • Showroom Available to Customers

  • Competitive and Upfront Pricing

  • Financing, Coupons, Rebates and Credits

  • Diamond and NATE Certified Company

  • Free Estimates Available to Customers

Experience the Difference

Contact the home of old-fashioned service today!