Flexible Solutions for Your Home Comfort | Estes Services & Microf
Estes Services
Microf
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Get the Home Comfort You Need Today!

Flexible lease-to-own solutions for your new HVAC system. All applicants welcome. Fast approval. Predictable payments.

Check Your Options Learn More
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Fast Approval
Apply in minutes
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All applicants welcome
Even challenged credit
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Early Payoff Savings
Save 20%-40% paying early
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Path to Ownership
Predictable payments

Why Choose Microf?

Estes Services has partnered with Microf to offer flexible solutions that help you get the comfort you need without delay.

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Designed for You

Risk-based pricing means your offer is tailored to your unique credit profile. We work with near-prime and subprime credit.

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Simple Application

Complete your application in minutes from your phone or computer. Fast decisions so you can move forward quickly.

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Predictable Payments

No balloon payments or surprises. Just clear, manageable monthly payments with a straightforward path to ownership.

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Early Payoff Option

Pay off your lease early and save significantly on the total cost. Flexibility when your situation improves.

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Trusted Partnership

Estes Services has carefully selected Microf to ensure you get quality service and support throughout your financing journey.

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Comfort Can't Wait

Don't suffer through extreme weather. Get your HVAC system installed now to restore comfort to your home.

How It Works

Getting your new HVAC system is easier than you think

1

Get Your Estimate

Schedule a free consultation with Estes Services. Our comfort advisors will assess your needs and provide an estimate.

2

Apply with Microf

Complete the simple Microf application during your appointment or online. Get a decision in minutes.

3

Choose Your System

Select the HVAC system that's right for your home and budget with guidance from our expert team.

4

Enjoy Comfort

We'll install your new system quickly and professionally. Start enjoying reliable heating and cooling right away.

Microf vs. Traditional Options

See how Microf compares to other options

Feature Microf Traditional
Works with challenged credit ✓ ✗
Fast approval process ✓ ✗
Predictable monthly payments ✓ ✓
Early payoff savings ✓ ✗
No balloon payments ✓ ✗
Clear path to ownership ✓ ✓

What Our Customers Say

Real experiences from homeowners who chose Microf

★★★★★
"I didn't think I'd qualify for financing, but Microf made it easy. My AC broke during a heat wave, and I had a new system installed within days. The monthly payments fit my budget perfectly."
Sarah M.
Raleigh, NC
★★★★★
"The Estes Services team walked me through the entire Microf application. It was approved in minutes, and I got my new furnace installed before winter. No more worrying about heating!"
James T.
Durham, NC
★★★★★
"After being turned down by my bank, I was hesitant to try again. Microf was different - they understood my situation and gave me an option that worked. I'm so glad Estes Services offered this."
Patricia R.
Chapel Hill, NC

Ready to Get Started?

Don't wait another day to restore comfort to your home. Apply now and get approved in minutes.

Apply with Microf Call Estes Air