Air Conditioning Financing Options for Absentee Owners

Having to replace your air conditioner unexpectedly is one of the worst feelings a home-owner can have. It can be even worse if you own a home in an area where you don’t live.

Replacing an AC is one of the largest expenses in the life-cycle of home ownership, so we try to make it as painless as possible with our option to finance the transaction.

There are however some unique challenges in processing a financing transaction for an absentee owner. Below are our options for payment for an air conditioning replacement for an absentee owner.

  1. Pay us directly with check for the full amount (check must arrive to our office in Clermont, Florida before installation can be completed, but check will not be cashed until work is completed).
  2. Pay us directly with credit card for the full amount (credit card must be loaded into our back-end system before installation can be completed, but card will not be run until the work is completed).
  3. Finance the transaction through Wells Fargo (all paperwork must be signed, completed and mailed back to our office in Clermont, Florida before installation can be completed, once completed the first bill will arrive in the mail from Wells Fargo approx 30 days after the installation).

Wells Fargo, our main source for financing new air conditioning systems, has a key component within their process: confirming the identity of the financing applicant. When we can’t meet someone face-to-face, there are a few added steps in the process.

Here below is the process for completing a Wells Fargo transaction when you can’t meet with our comfort consultant in person:
  1. Go to this website and fill out the application from Wells Fargo:
  2. Wells Fargo will come back with 1 of 3 results, Application Denied, Application Pending or Application Approved for $_____ (depending on the application different amounts of capital will be offered).
  3. If approved for the transaction you can pick 1 of 2 plans:
    • 48 month, 11% APR, with 2% minimum monthly payments
    • 12 month, 0% deferred interest, with 8.33% minimum monthly payments
  4. Once you’ve chosen your terms, we will print out documents, fill them out and meet with you in person (if you are in the local area) or mail the documents to you if you are out of town.
  5. You must sign these documents in the presence of a Notary Public and mail them back to us in the postal mail (no email is allowed).
  6. Once we have that signed paperwork back to us at our office in Clermont, Fl we are ready to install the new AC
We hope this has been helpful, please let us know if you have any questions along the way and feel free to call our office anytime!


ThermoLink vs Tube-In-Tube Heat Exchangers for Pool Heaters

Heat pump pool heaters are becoming more and more popular to have installed in Central Florida.

It’s sometimes tough to distinguish differences between pool heaters because many of the marketing messages focus on benefits, and not on what actually makes one pool heater different from another.

We’ve found one of the key features that separates a good quality heat pump pool heater from a poor unit is the type of heat exchanger used by the manufacturer.

The heat exhanger is what actually does the bulk of the temperature change in a heat pump pool heater. Essentially, water is run across a hot coil, the water picks up heat as it runs across this hot surface, and then is pumped back into the pool. We like to use two analogies:

  1. Firstly, its like taking a hot pan directly off of the oven and running water over it at the sink. This water hitting the pan usually makes a sound you can hear and the water gets so hot that steam comes off of the pan. Its hot to touch that water for a few seconds because the heat from the pan transfers to the water. This is what happens when the water runs across the hot surface.
  2. Secondly, its like sitting in a bathtub and turning on the hot water again after you’ve already been in the tub for a while. Down by your feet, you can feel that hot water mixing in with the colder water, but the whole tub has not yet heated up. You’ll need to keep that hot water flowing into the tub in order for it all to feel comfortable again.This is what its like for the heat pump pool heater to heat your pool.

Most of a heat pump pool heater’s efficiency comes from how effectively it can transfer this heat from the heat exchanger into the pool. That’s why its called a heat “exchanger”. Its exchanging heat from one surface (the coil) to another (the water).


tube-in-tube heat exchanger

Traditionally, heat pump pool heaters have had whats called a “tube-in-tube” heat exchanger. The water flows through a tubed pipe, and on the inside of that pipe is a heat excahnger coil (usually made of an alloy called cupronickel). The water flows between this outer-tube pipe and the inner-tube heat exchanger coil and picks up heat as it flows through it. This was effective at heating the water, but one drawback to this style is the need to really push that water through that tube (it won’t just passively “flow” through that tube).


thermolink heat excahnger

AquaCal and Tropical heat pump pool heaters have been beautifully engineered with a “ThermoLink” heat exchanger. The water flows into the top of heat exchanger assembly from the top, and then uses gravity to flow down to the exit valve at the bottom of the assembly. The water is heated much more passively as it flows like a waterfall through the assembly. Plus, the coil is made from titanium instead of the traditional cupronickel. The cupronickel alloy is much more susceptible to weakening from sanitizers and chemicals found in pool/spa water. Titanium is much longer lasting compared with cupronickel because it is virtually impervious to water-chemistry damage (which is why AquaCal and Tropical units have a lifetime heat exchanger warranty).

Variable-Speed Pool Pumps need ThermoLink

In the past, when single-speed pool pumps were the norm, tube-in-tube heat exchangers were sufficient because the pump would always be running with the same speed (pressure). In modern pool set-ups, we are seeing that two-speed or variable speed pool pumps are the new normal (new regulations will soon make them required by code). These pool pumps aren’t always running at the same “speed” (more accurately they vary the water pressure). Having a pool heater with a regular tube-in-tube heat exchanger renders the benefits of a varaible-speed pool pump useless because the pool pump must keep the water pressure at a high-level in order to push the water through that tube-in-tube assembly. The patented ThermoLink heat exchanger in the AquaCal heat pumps allow the pool pump to ramp itself down to lower pressures, as low as 1560 RPMs. The tube-in-tube assembly has to run at over 2350 RPMs, a 33% decrease in efficiency. This translates to about $25-$94 a month in energy cost that the ThermoLink heat exchanger will save customers compared to tube-in-tube heat exchangers.

If you’re interested in a no pressure, professional estimate, fill out our request form below!

Pool Heater Quote Request Form

  • A no pressure, in person estimate is required to ascertain the needed materials and sizing for the pool heater.
  • OK to pick more than one (Hold Ctrl + Click)
  • Drop files here or
    If you want us to see any photos or previous quotes upload them here.

AquaCal Pool Heaters

The pool heating industry is a very different industry then many of us who are traditionally from the air conditioning industry are used to.

Plain and simple many pool heater manufacturers are smaller and not as a stable as what most Americans have come to expect from a manufacturer. There is a lot of turnover/buyouts and it seems every few years there is a new low cost option that customers can choose, but do so at their own detriment. Additionally, many pool heater manufacturers have very little support staff or quality distribution for their replacement and warranty parts. Its this lack of support that makes us hesitant to suggest just any sort of pool heater for your home or business. 

That being said, we are thoroughly impressed with three manufacturers in particular, AquaCal (who also makes TropiCal units), Hayward, and Oasis.

AquaCal heat pump pool heaters are the industry leader when it comes to quality, warranty, and customer support.


AquaCal has in our opinion, the best heat pump pool heater on the market. The HeatWave Super Quiet (the flagship product) from AquaCal is proven to be the quietest unit in the pool heater industry. While many other units even have some form of “quiet” in their name or marketing, the AquaCal is proven to be the best in terms of decibel rating. These units are virtually silent; you won’t hear them running if you’re any more then 10 feet away from it.

They are also the most efficient heat pump pool heaters. This is accomplished through their patented Thermo-Link Technology. Click here to learn more about the difference this heat exchanger makes for efficiency. This makes a huge difference in the units efficiency when paired with a variable speed pool pump.

AquaCal’s Heat Wave Super Quiet also has a great feature for the Florida sun, a recessed control board. Pictured below (on the Tropical unit), this allows us to protect the control board to be protected from getting faded/damaged from the hot Florida sun, a great and innovative feature.


One of our favorite features from AquaCal is the standard 2-year Labor Warranty. Unlike most pool heating companies, the AquaCal units comes with a labor warranty that is completely executed from the manufacturer themselves (if you’re located in Florida like us). With other pool heater manufacturers, if the unit ever has an issue, a technician from the local contractor who installed the unit would re-visit the property to diagnose the issue. AquaCal instead dispatches a technician who is employed by them, the manufacturer to diagnose the issue and let you know what is wrong. An issue is incredibly rare for one thing (we just have not had many issues at all with these units), but it does show the length to which AquaCal will go to back up their product.

They also have a seven year parts, seven year compressor and lifetime heat exchanger tube warranty.

This is the best warranty for a pool heater that we have found to date.

Customer Support

hornerxpress kissimmeeA great part about living in Florida is the fact that we are the pool heater manufacturer capital of the country (and really the world). AquaCal’s factory and headquarters are based out of St. Petersburg, Fl. Additionally, they have the same parent company as their distributor HornerXpress (both are part of Team Horner). In simpler terms, the company and all of their replacement parts are streamlined to work together very efficiently and effectively. 

We’ve had no problems getting AquaCal replacement and warranty parts in a timely manner, meaning you wont be waiting for weeks for a repair part to come in when its not stocked locally. This is something we do experience quite often when repairing many other heat pump pool heaters that aren’t as well supported. 

In summary, we love the AquaCal Pool Heaters. Fill our this quick form below if you’re interested in getting a no-pressure estimate from us to install one!

Pool Heater Quote Request Form

  • A no pressure, in person estimate is required to ascertain the needed materials and sizing for the pool heater.
  • OK to pick more than one (Hold Ctrl + Click)
  • Drop files here or
    If you want us to see any photos or previous quotes upload them here.

Routine Maintenance Lowers Indoor Air Pollution

Countless Americans suffer from symptoms such as asthma, emphysema, and COPD due to indoor air pollution every year. Indoor pollution, if left unchecked, can cause these and other serious health risks. However, there are plenty of preventative steps one can take to make sure these issues do not arise in your home. While there are plenty of steps one can take to lower indoor air pollution, routine maintenance is one of, if not the most, effective of these steps.

A quick and easy step you can do yourself is making sure to keep your indoor air filter clean, and change it monthly when you get your power bill.

Now in terms of more complicated maintenance, when you use your A/C system throughout the year, dirt and other debris is collected in the various components of the A/C system. The condensing unit, the system outside the home, often collects dirt. The system does not send those leaves or dirt into your home. However if the outdoor unit and the separate indoor unit, the air handler, are not properly maintained, elements of these particulates can collect the air stream within your home, damaging the air’s quality, and can eventually cause harmful air pollution.

When our Kalos technicians perform routine maintenance, they remove all the accumulated large debris that has been captured in the condenser unit; they then clean the condenser, but are careful not to bend the delicate coil pins. They also clean the air handler inside your home, by sensibly washing the evaporator coils.

When these tasks are finished none of the dangerous particulates harm your indoor air, keeping it safe and breathable. Routine maintenance is recommended at the very least annually, and preferably biannually to keep your home’s air healthy and unpolluted, and to protect your health.