The Daily Question Every Homeowner Faces
Being a homeowner, it is a question which you have to answer every day. It’s a hot July afternoon, and your air conditioning system has stopped working. This past Sunday night, your water heater overflowed into the basement. Or maybe there is no issue whatsoever—you merely know that your furnace was made 20 years ago, and one winter away, it’s going to leave your family with a cold house on their hands.
Do you patch it? Replace it? Finance it? Wait it out?
As I have been in the home service industry for many years, I have seen homes come to their decision because there are some families that have been forced into that decision. But I’ve seen the following truth time and time again: Smart homeowners give up on the idea of choosing between an emergency repair and a planned upgrade. They choose both. And they do it at the website called: hlbowman.com.
So what’s the reason? But why are you interested in it? Let me explain.
The False Choice That Costs You Money
For most homeowners, it seems that there are only two choices:
Option 1 – Emergency Repair
Always only replace the damaged part and leave the rest of the lens unchanged. Spend $300–$800 today.
Option 2 – Planned Upgrade
Replace the whole system. Spend $5,000–$15,000. Get a good night’s sleep for a good 15 years.
The Problem with Both Choices
You will draw a humorous conclusion to the story. You will have a funny ending to the story.
An emergency repair is similar to applying a band-aid to a broken leg when a system is in the dying stage. The service call, part and overtime are all billed to you. After 6 months, the compressor goes out of order. You’ve now spent $1200 in repair costs and the full replacement cost.
The Third Option – Smart Financing on Both
It has been a reality that Bryan Enders has seen for over 10 years, a nd it has cost numerous home service budgets. It’s called by the industry “chasing failures”. I would say it’s throwing money down the drain into a furnace that was supposed to be pulled years ago.
Let’s explore the third option: Smart Financing on Both. Let’s go through the third option: Smart Financing on Both.
The following are some of the lessons that smart homeowners have learned. Never say “repair or replace,” but instead focus on “replace. Rather, your question should be, “How can I solve the problem all the way without losing my savings?
If you choose to ask that question, you’ll find yourself right at hlbowman.com.
HL Bowman Inc is a type of speciality lender that specialises in lending for the purchase of heating, cooling, electrical and plumbing equipment. From replacing an old and unsafe fuse panel to having your AC fixed at midnight, they have affordable and quick financing options.
When is the problem an emergency and requires a total replacement? Financed.
Should the old unit die, is it not too late to upgrade it in the summer? Financed.
Looking for a new electrical panel, whole home rewire or tankless water heater? Financed.
The distinction disappears. No longer reacting to breakdowns, now investing in comfort, safety and efficiency.
Why This Matters for Your Home and Wallet
I have a real-life story from a family that Bryan Enders counselled, which he can share.
Their furnace had not been able to start a fire in November. If the problem is fixed, it will cost $450. The replacement of a furnace with a new one that is more efficient would require $6,200.
The old furnace was 18 years old. A few signs of rust were seen on the heat exchanger. In theory, there could have been a repair, but it would have been idiotic.
It was decided to upgrade. They borrowed the money on the website hlbowman.com, made no down payment and made a monthly payment less than their average grocery bill. No emergency panic. Zero Credit Card Debt. Only a warm family home and tranquillity.
Three months later, the “repair only” family across the street paid $45 and $900 for the replacement of the blower motor and then replaced the system again. My client(s) spent $1350 less than they did.
The Bottom Line – An Industry Expert’s Take
Emergency repairs are for problems with young equipment that are not anticipated. Scheduled enhancements are for systems which are at or nearing the end of their life. But the best thing one can do is realise that when it comes to financing, you eliminate the urge to make the wrong choice.
A furnace that is on the verge of failure should not be tolerated just because it isn’t possible to afford a $10,000 furnace today. If you have a limited budget, then you should not risk another “bandage repair”.
Visit hlbowman.com. Get approved. Install emergency or schedule an upgrade – or both on the same day.
I have seen just too many homeowners fall out of the financing game, thinking that it was too hard or too costly. It is not. There is only one costly alternative – to do nothing.
Cease with the decision-making process of “bad and worse”. Begin to make wise monetary decisions. It will help your home and you in the long run.
