A program for encouraging homebuyers and current homeowners to purchase more efficient HVAC equipment at the time they purchase a home or refinance a home loan is described. Realtors, bankers, lenders, mortgage brokers, and like individuals involved in the purchase or refinancing of a home present an opportunity to purchase energy efficient HVAC equipment to a client at a time when the purchase price of the equipment can be included in the mortgage or refinance loan. The realtors, bankers, lenders, mortgage brokers, and other individuals presenting the opportunity to the client act as marketers or salespeople for the program and the new equipment. These new salespeople work with a facilitator who coordinates the efforts of everyone involved in the transaction. The program provides the client with lower total homeownership costs through utility and maintenance savings.