Approved Palmetto Partner | ClimateMaster GeoElite | Oklahoma geothermal
Geothermal Comfort Plan
Hartzell’s is the Can-Do Geothermal Expert for Oklahoma homeowners who want green comfort, lower waste, and a real return-on-investment review before committing to a geothermal project.
Can-Do Geothermal Experts from idea to paperwork
Hartzell’s handles the practical parts that decide whether geothermal works: site access, loop-field options, electric service, duct design, ClimateMaster equipment match, commissioning, utility rebate review, and the paperwork path.
Home load, loop field, equipment location, duct and electrical requirements.
ClimateMaster equipment, flow center, controls, startup, and commissioning checks.
Comfort Plan review, normal financing comparison, utility rebate review, and agreement-term handoff.
The full Palmetto plan, not just normal financing
The Geothermal Comfort Plan powered by Palmetto is built for homeowners who want geothermal comfort without writing a large check on day one. It can cover the system, loop field, installation, controls, flow center, preventative maintenance and covered service and repair labor in one monthly payment.
Hartzell’s remains the local geothermal contractor. We design the project, review the site, quote the equipment, install the system, and stay involved as the service provider for the 10-year term when the project qualifies.
Sample $40,000 comparison
This is the approved sample structure from the ClimateMaster/Palmetto consumer material. It is an illustration only, not a quote, approval, tax opinion, or lease agreement.
| Category | Geothermal Comfort Plan | Traditional financing example | Cash purchase example |
|---|---|---|---|
| System price | $40,000 | $40,000 | $40,000 |
| Upfront cost | $0 | $0 | $40,000 |
| Monthly payment | $332/mo | $597.01/mo at 12.99% for 10 years | $0/mo |
| Interest paid | N/A | $31,640.85 | N/A |
| Maintenance and covered repairs | Included under agreement terms | $10,690+ estimated 10-year total | $10,690+ estimated 10-year total |
| End-of-term buyout example | $8,800 | N/A | N/A |
| Estimated 10-year total shown in flyer | $48,640 | $82,330.85 | $50,690 |
Actual monthly payment, taxes, coverage, service availability, renewal terms, buyout amount, prepay options, eligibility, and approval can vary. We will review the real home, loop field, equipment, electric design, and contract terms before anyone treats numbers as final.
What the Comfort Plan can include
For qualifying residential geothermal projects, the lease pricing can be built around the parts of the job that normally make geothermal hard to start.
- Premium ClimateMaster geothermal equipment
- Ground loop or loop field work
- Professional installation labor
- Controls, flow center, and circulation pump
- Desuperheater or hot-water preheat when designed into the system
- Required electrical or backup electric heat tied to the geothermal design
- Required duct or distribution work for the geothermal project
- 10-year parts and labor structure where manufacturer and Palmetto terms apply
- Annual maintenance
- Preventative maintenance support
- Covered service visits handled under agreement terms
- Local service through Hartzell’s as the geothermal contractor
Eligibility basics
Palmetto uses a soft credit check for prequalification, with a 680+ FICO guideline. Home title and identity verification are required, co-applicants may be allowed, and bank autopay is required before project approval.
What is not usually included
Air filtration upgrades, humidifiers, UV lights, air purifiers, elective panel upgrades, general home improvement work, and unrelated equipment are not part of the standard eligible geothermal lease scope.
Tax and rebate treatment
Homeowners who lease do not claim the federal geothermal tax credit. Palmetto monetizes available federal tax credits in the lease structure. Utility or local rebates may still apply depending on program rules and project approval.
Moving or end of term
At the end of the 10-year term, homeowners may have renewal or buyout options. If the home sells before the term ends, options may include buyout at closing, transfer, or prepaying remaining benefits for the buyer, subject to agreement terms.
Comfort Plan lease and normal financing are separate
The Geothermal Comfort Plan is a 10-year residential lease path, not a normal finance sale. Hartzell’s is the Can-Do Geothermal Expert for the project: idea, design, site review, installation, commissioning, utility rebate review, and paperwork support.
Hartzell’s can also review traditional HVAC financing partners for repairs, replacements, PMAs, thermostats, air cleaners, and other add-ons when the Comfort Plan is not the right fit.
If cost is the barrier, we compare cash, traditional financing, confirmed utility rebates, and the Geothermal Comfort Plan side by side. The goal is to show the real installed price, the monthly path, and the long-term comfort and return-on-investment picture before you decide.
Promotional finance terms, lease eligibility, payment examples, rebate handling, service coverage, end-of-term options, and approval requirements vary by provider and agreement terms.
How we handle a geothermal Comfort Plan review
We start with the home, the loop-field options, the existing duct and electrical design, and the equipment match. Then we build a real project scope and check whether Palmetto Comfort Plan pricing or normal financing makes more sense.
Loop field, equipment location, access, power, ductwork, and comfort problems.
ClimateMaster equipment, loop design, controls, flow center, and any required supporting work.
Comfort Plan, cash, normal financing, rebates, and return-on-investment review with sample numbers clearly marked.