Abstract: A system for providing heating ventilation and cooling (HVAC) services includes a central server having an HVAC services module. The central server is communicatively coupled to at least one database, a credit system, a payment processing system, and an installation and maintenance scheduling system. The central server includes instructions configured to cause the central server to receive a residence identifier from a user portal, determine an estimated HVAC load of a building corresponding to the residence identifier, provide a user with a cost estimate based on the estimated HVAC load, and process a payment received from the user wherein the payment is based on the cost estimate.