Flexible Financing Options for HVAC Projects


Investing in a new heating, cooling, or air quality system is one of the most important decisions you’ll make for your home. At JM Heating & Air, we understand that HVAC projects can be a significant expense, which is why we offer flexible financing options to make your purchase affordable and stress-free. Whether you need a new furnace, air conditioner, boiler, or duct cleaning service, our financing programs are designed to help you enjoy comfort today while paying over time.

Why Financing Your HVAC System Makes Sense


Replacing or upgrading HVAC equipment is not just about comfort—it’s about efficiency, safety, and long-term savings. Financing allows you to:

  • Spread Out Costs – Pay for your system in manageable monthly installments.
  • Access High-Efficiency Equipment – Upgrade to Ruud, Navien, or Midea systems without waiting.
  • Protect Your Budget—Avoid large upfront costs while still improving your home.
  • Increase Home Value – Modern HVAC systems add resale value and appeal.
  • Enjoy Immediate Comfort – Don’t delay repairs or replacements due to cost concerns.


With financing, you can invest in the best equipment for your home without sacrificing financial peace of mind.

Several Air Conditioning Units Are Lined Up — Breezy Point, MN — JM Heating & Air
Holding Tools — Breezy Point, MN — JM Heating & Air

Our Financing Program


JM Heating & Air proudly participates in the Ruud KwikComfort Financing Program, which offers flexible payment options for homeowners. This program is designed to make high-quality HVAC systems accessible to families across Breezy Point, MN, and the Brainerd Lakes area.


Learn more about financing through the Ruud KwikComfort Program.

What You Can Finance


Our financing options cover a wide range of HVAC products and services, including

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Furnace Installation and Replacement

Upgrade to Ruud’s high-efficiency models.

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Air Conditioner Installation and Replacement

Choose from central air or mini-split systems.

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Boiler Installation and Replacement

Invest in Navien’s advanced boiler technology.

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Heat Pumps and In-Floor Heating

Modern solutions for year-round comfort.

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Indoor Air Quality Systems

Filtration, purification, and duct cleaning services.

No matter your project, financing can help you achieve comfort without financial strain.

Benefits of Financing With JM Heating & Air


  • Fast Approval Process – Simple applications with quick decisions.
  • Flexible Terms – Choose payment plans that fit your budget.
  • Competitive Rates—Affordable financing designed for homeowners.
  • Trusted Brands – Finance Ruud, Navien, and Midea equipment with confidence.
  • Local Expertise – Work with a trusted Breezy Point HVAC company.


We make financing straightforward so you can focus on enjoying your new system.

How to Apply


Applying for financing is easy:

  • Contact JM Heating & Air—Call (612) 581-6167 to discuss your project.
  • Get a Free Consultation—We’ll recommend the best system for your home.
  • Apply for Financing – Complete a simple application through the KwikComfort program.
  • Choose Your Plan – Select the payment option that works best for you.
  • Enjoy Immediate Comfort – Get your new system installed without delay.


Our team will walk you through the process step by step, ensuring you understand your options and feel confident in your decision.

Testing an Air Conditioning Unit with A Multimeter — Breezy Point, MN — JM Heating & Air
White Air Conditioning Unit Mounted on Concrete Blocks Outdoors — Breezy Point, MN — JM Heating & Air

Customer Commitment


At JM Heating & Air, we believe every family deserves reliable comfort. That’s why we combine expert installation, trusted brands, and flexible financing to deliver solutions that fit your lifestyle. We’re committed to providing:

  • Honest recommendations.
  • Transparent pricing.
  • No-obligation consultations.
  • Long-term support and maintenance.

Why Choose JM Heating & Air


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Local Expertise

Serving Breezy Point, MN, and surrounding communities.

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Trusted Brands

Ruud furnaces and air conditioners, Navien boilers, and Midea mini-splits.

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Comprehensive Services

Heating, cooling, air quality, and duct cleaning.

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Flexible Financing

Affordable options for every project.

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Year-Round Comfort

Reliable service for every season.

Get Started Today


Don’t let upfront costs keep you from enjoying the comfort your family deserves. With JM Heating & Air’s financing options, you can invest in high-efficiency equipment today and pay over time.


Call (612) 581-6167 today to schedule your free consultation and learn more about HVAC financing in Breezy Point, MN.