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Rent-To-Own Your HVAC Equipment

Rent to Own Heating & Cooling Equipment with Microf makes it easy and affordable to upgrade your home's HVAC with a budget in mind.

About Microf

Hassle-Free product option features:

  • Easy Online Application
  • Minimum Financial Requirements Needed for Approval
  • EARLY PAYOFF options
  • FLEXIBLE monthly payment options
  • QUICK response times
  • Microf specializes in rent to own options for residential replacement HVAC systems.


Microf’s program is designed for homeowners (contract for deed properties do not qualify unless registered with the county) that have an active bank account and a steady source of income.  Homeowners must show that they have a comfort level with one of the flexible monthly payment options offered by Microf. It is that easy!

Applicant must be the homeowner.
Provide Valid ID
Have Homeowners Insurance
An active bank account
Verification of monthly income within last 30 days

Minimum financial requirements are needed for approval.
The following documents are needed for approval:

  • A completed application
  • Proof of Income


  • Reverse mortgages
  • Rent-to-own or Lease-to-own properties
  • Homes on rented land (e.g., mobile home park)
  • Certain bankruptcy filings may prevent lease origination
  • This is not for the HVAC Equipment

Frequently Asked Questions

Are the owner of your home, have homeowners insurance, an active bank account, and proof of income? You qualify!

The application is simple.

Microf can finance all HVAC (Heating & Cooling) equipment and accessories!

Ductwork fabrication, installation, or changes. However, in most change-out applications, this is usually unnecessary. If ductwork is needed we are happy to complete this for you by providing a separate estimate if needed.

That all depends on what you need! We give FREE no-obligation estimates so don’t hesitate to contact us to find out what a new rent-to-own heating system would cost for your house!

For Microf’s easy Payment Estimator click here

It won’t be! Your job will be completed with the same equipment, the same warranty, and the same great service you have come to expect from Fowler Heating & Cooling.

There will be no hard credit inquiries when applying for financing through Microf.