Spread the cost of a repair or system replacement over time with $0-down and flexible monthly payment options through our approved lenders.
Home repairs and upgrades aren't always planned. When a water heater fails or a heating system needs replacing, financing lets you get the work done now and pay over time instead of draining your savings or tying up existing credit lines.
John Owens Services is a qualified contractor with several established financing partners, so most of the work we do can be financed. We'll help you find the option that fits your project and budget.
Financing Partners
We work with several lenders so you can choose the option that suits your project:
CaliforniaFIRST (Renew Financial): $0-down financing that thousands of California homeowners have used for energy- and water-efficiency improvements. Fast approvals and fixed rates make it a straightforward way to upgrade your home.GreenSky: Credit decisions in seconds, any time and any place, by phone, website, or mobile app, so you get financing faster.Service Finance Company, LLC: Flexible terms with convenient monthly payments, easy online account access, and multiple financing options. Service Finance is a nationally licensed sales finance company and an approved FHA Title I Lender.
What Financing Covers
Financing is available for many of the services we provide, including HVAC, plumbing, electrical, and other home service projects. Choosing financing helps you move forward without using up your savings, bank accounts, or other credit lines, keeping them available for when you need them.
With approved credit, you can take advantage of convenient monthly payments, multiple flexible options, and easy online account access and payment management. There are no penalties for early payment.
Contact us to learn which financing options or promotional offers may apply to your project, or apply online to get started.
Current Offers
We run a few standing discounts to help with the cost of service. These cannot be combined with other offers:
$200 off any install$50 off any repair$35 off a repairVeteran discount: $200 off any install or $50 off any repairSenior discount: $200 off any install or $50 off any repair
Why John Owens Services
We've served residential customers in the Sonoma County area since 1986, keeping up to date on the latest technology and methods. Many repairs and cleanouts can be completed in a single visit, since our crews travel with fully stocked trucks ready for the job. Every technician is licensed and insured, so your home and property are protected at all times.
Our approach is repair-first: we maintain and repair before recommending replacement, and only suggest a new system when it's genuinely the better choice. Financing simply makes the right fix easier to afford when a larger project is unavoidable.
Yes. Most of the work we do can be financed, including HVAC, plumbing, electrical, and other home service projects. Contact us to find out which options apply to your specific project.
No. There are no penalties for early payment on our financing plans.
Not necessarily. CaliforniaFIRST through Renew Financial offers $0-down financing for qualifying energy- and water-efficiency home improvements. Other partners offer flexible monthly payment plans with approved credit.
Yes. We offer both a veteran discount and a senior discount of $200 off any install or $50 off any repair. These cannot be combined with other offers.
Contact John Owens Services to review the financing options and any promotional offers available for your project, or apply online through one of our lending partners to get started. Credit decisions through GreenSky can be made in seconds.
From the Marin coast to Sonoma wine country, we bring honest plumbing, heating & cooling to homeowners across both counties — based locally since 1986.