Microf believes that all consumers should have options when it comes to replacing their heating and cooling system. Our unique lease-purchase option is designed to help homeowners with a broad range of financial needs replace their heating and cooling system.

Completing the  online application will help us determine the best options for you.

– Credit less than perfect or even damaged? That’s ok because Microf’s lease to own products are
designed specifically with you in mind. And, you can apply directly online and Microf will connect you with a contractor in your area.


Click “apply now” to complete the online application. 

Microf Lease purchase option   Lease-purchase products
Based on a cash price amount of $5,000
Lease to own for:

36 months to ownership
48 months to ownership
60 months to ownership
Est Mthly Pmt.

Total of Payments

Important Terms and Conditions. The term of the Agreement is for one month from the Agreement Date. The Agreement automatically renews for consecutive terms of one month at the expiration of the prior term unless terminated as provided for in the Agreement. You acquire no ownership rights to the leased property unless the total amount necessary to acquire ownership is paid. The stated total of payments to acquire ownership does not include other charges such as, but not limited to, late fees and/or reinstatement fees. If you choose to terminate the Agreement, you may do so at any time without penalty by paying the past due amount at the time of termination and voluntarily surrendering the leased property to us.

Important Conditions and Restrictions. Not all options are available in all markets. Minimum lease amount is $2,500. Lease-purchase options are available for primary or vacation/second homes, but unavailable for non-owner occupied investment/rental properties. In CA, CT, IA, ME, NY, OH, PA, VT, and WV, the 60 months-to-ownership option is not available, the 36 and 48 months-to-ownership options require a 5% contractor discounted invoice, and the minimum lease amount is $3,000. Lease-purchase transactions not available in AK, HI, MN, NJ, WI, and WY.