Ability-to-pay review
The program says it does not use a minimum FICO score requirement. Income, payment history, and other underwriting information still determine approval and terms.
M&AHeating & CoolingCall (336) 682-4700Carolina SURE network contractor · Winston-Salem
Carolina SURE financing for home improvements.
M&A Heating & Cooling is listed in the Carolina SURE contractor network. Eligible homeowners can apply for financing for qualifying home-efficiency and resilience projects without using this website as a credit application.
Separate programs: Carolina SURE is financing. Energy Saver NC is a rebate program. Applying for or receiving approval from one does not approve or enroll a customer in the other.
A separate financing decision
See the project price before choosing how to pay.
Carolina SUREResidential home-improvement financing
Offered through the nonprofit Clean Energy Fund of the Carolinas and its lending partners—not by M&A.
Qualifying M&A work
Eligible projects may include high-efficiency HVAC and heat pumps, duct improvements, weatherization, and associated electrical work.
Current terms from the lender
Rates, fees, loan size, term, and any discounts vary. The secure Carolina SURE application provides the current offer and disclosures.
No website credit form
M&A’s estimator helps plan the project price. Sensitive financial and income information belongs only in the official program application.
Separate programs
Separate applications. Separate approvals.
Carolina SURE is financing. Energy Saver NC provides rebates. They are administered separately, and eligibility for one does not establish eligibility for the other.
Carolina SURE
A loan application handled by the program and its lending partners. Approval, rates, fees, and payments depend on current underwriting and terms.
Review the official program ↗Energy Saver NC
HOMES and HEAR rebates have separate income, equipment, assessment, reservation, documentation, and funding rules.
Use M&A’s rebate planner →From estimate to installation
A clear four-step path.
M&A handles the project scope and installation. Carolina SURE handles the financial application and loan decision.
- 01
Plan the project with M&A
Start with the online estimator, then confirm equipment, sizing, electrical work, permits, warranties, and the written price.
- 02
Apply through Carolina SURE
Enter personal, income, and banking information only in the program’s secure application—not on M&A’s website.
- 03
Review the actual offer
The program reviews the application and project. Read the current rate, fee, payment, term, and disclosures before accepting anything.
- 04
Install after authorization
M&A proceeds only after the required project approval or notice to proceed, then completes the installation, documentation, and inspection process.
Financing disclosure: Carolina SURE financing is offered and administered by the Clean Energy Fund of the Carolinas and its lending partners. M&A Heating & Cooling is the contractor, not the lender, and does not approve applications or set loan terms. Financing is subject to eligibility, underwriting, program availability, and current terms. An M&A website estimate is not a credit decision, loan offer, contract, or final project proposal.