Derek Sawyers was initially sent out to us by American Home Shield Home Warranties. It was approximately 102 degrees and our air conditioner wouldn't work. When the unit was checked for repairs, they discovered wires that had melted together and other scary things. After inspection, they told us the unit had to be replaced. (It was 23 years old) I was upset because we didn't have $8100.00 extra anywhere. I also have a 135 gallon salt water aquarium that requires temperature monitoring. After discussing options, Derek decided they would carry a loan. They maxed out my Home Depot card as a down payment and I gave them 6 post dated checks to cover the the agreed term of 6 months for the balance. The quote included replacing the ducting, but they wanted to wait a few months to make sure my checks would clear. They are scheduled to come out 1/14/13 to replace all of the ducting. I am very happy. Our electric bill dropped almost $100.00 a month with the new unit in place. I can't wait to see what it will be without the cracked and split plastic ducting in the attic now! They were very, very nice and answered my questions immediately. I probably drove them crazy, but they remained professional. They were very professional at all times. There were 2 workers sent out. We sat around my kitchen table drinking a coke just chatting while we were waiting to hear what the office was going to do as far as helping with payment for the new unit. When the office decided they would carry the loan the new unit was installed the next day. I would recommend them to anyone with HVAC problems.