D&A HVAC SOLUTIONS

How Do HVAC Systems Work?

HVAC stands for Heating, Ventilation, and Air Conditioning. These systems regulate the temperature, humidity, and air quality inside your home to keep it comfortable all year round. Modern HVAC systems often use heat pumps or mini-splits, which are energy-efficient and all-electric—no need for gas!

Types of HVAC Systems

Ducted Central Air (Traditional)

Uses ducts to distribute heated or cooled air.
Requires regular maintenance and duct cleaning.
Often paired with gas furnaces.
Less efficient than newer electric systems.

Mini Split / Ductless System (Modern)

No ducts needed; uses wall-mounted units.
Extremely efficient and perfect for retrofits or room-by-room control.
Can heat and cool using electricity only.
Ideal for homes with high ceilings or uneven temperatures.

Heat Pump System

Works as both a heater and air conditioner.
Transfers heat rather than generating it—more efficient than gas.
Works with or without ducts.
Eligible for rebates and tax credits.

HVAC Payment Options

Cash Purchase (Best Long-Term Savings)

Pay upfront and own the system.
No monthly payments or interest.
Eligible for local utility rebates & tax credits.
Adds value to your home.

Financing (Most Popular Option)

Spread the cost over 5–20 years.
$0 down options available.
Low monthly payments.
Still eligible for rebates and tax credits.
Great for homeowners who want comfort now without paying everything upfront.

Lease / Service Contract

Low or no upfront cost.
You pay a fixed monthly fee for equipment and service.
Usually includes maintenance and repairs.
Ideal for those who prefer peace of mind and minimal responsibility.

HVAC vs. PG&E (Gas Heating)

FeatureHVAC Heat Pump/Mini SplitPG&E Gas Furnace

Energy SourceElectricity (cleaner)Natural Gas (fossil fuel)

EfficiencyHigh (up to 300% efficiency)Moderate

MaintenanceLowHigher (filters, vents)

ComfortZoned temp. control availableWhole-home control only

Rebates & Incentives - Yes (up to $6,500+) None

Monthly CostLower (if solar-powered)Increasing with gas prices

D&A BUSINESS PRODUCTION – Your HVAC Experts

We help you:

Choose the right system
Qualify for rebates & tax credits
Get affordable financing or service contracts
Lower your energy bills
Add comfort & value to your home

Solar/hvac

D&A SOLAR SOLUTIONS

How Do Solar Panels and NEM Work with PG&E?

Solar panels generate electricity for your home. If you produce more energy than you use, the extra energy is sent back to PG&E, and you earn credits through the Net Energy Metering (NEM) program.

The 3 NEM Programs and How They Work:

NEM 1.0 (2001 – 2017) – The Best Credit (No Longer Available)

Full retail credit for excess solar energy sent to the grid.

If PG&E charged 30¢ per kWh, you received 30¢ in credit.

One-to-one energy buy/sell rate.

Annual true-up to reconcile usage vs. production.

Ended in 2017 with the rollout of NEM 2.0.

NEM 2.0 (2017 – April 14, 2023) – Still a Good Deal (Now Closed)

Similar to NEM 1.0 but included small transmission charges (2–3¢ per kWh).

Nearly full retail credit for exported energy.

Closed to new customers after April 14, 2023.

NEM 3.0 (April 15, 2023 – Present) – Current Plan (Lower Credits)

Major change: PG&E now pays much less for exported solar energy.

Instead of 30¢, you may only get 2–5¢ per kWh sent to the grid.

Buying energy from PG&E can cost around 30¢–50¢ per kWh.

Battery storage is now essential to reduce grid dependency and maximize savings.

Solar Payment Options

Cash Purchase (Best Long-Term Savings)

You pay upfront and fully own the system.

No monthly payments, no interest.

Eligible for the 30% federal tax credit.

Solar Loan (Most Popular – Own Your System Over Time)

Monthly payments over 5 to 25 years.

You still qualify for the 30% tax credit.

You own the system once the loan is paid off.

Ideal for homeowners who want long-term value without paying everything upfront.

Lease or Power Purchase Agreement (PPA) (Low or No Upfront Cost)

The solar company owns and maintains the system.

You pay a fixed monthly fee (lease) or a discounted rate per kWh (PPA).

Not eligible for tax credits since you don't own the system.

Great for those who don’t qualify for financing but still want to reduce energy bills.

PG&E vs Solar Solutions

Which Option Is Best for You?

Want maximum long-term savings? → Cash or Loan (You Own It)
Need low or no upfront payment? → Lease / PPA
Don’t mind not owning the system? → Lease / PPA