No annual fee
Keep the card, pay nothing yearly for the privilege. It only costs you something when you're actually using it.
Wells Fargo Home Projects
New comfort. Comfortable payments.
A new high-efficiency system shouldn't wait for a perfect budget month. Through the Wells Fargo Home Projects program, Shumate turns a new system into a convenient monthly payment — with quick credit decisions, no annual fee, and a free estimate before you spend a dollar.
Why homeowners use it
Financing that behaves like a good neighbor.
The Wells Fargo Home Projects credit card is built for exactly this: real home projects, on a payment schedule a household can actually live with.
Open line of credit
Once approved, your line stays open for future home projects — not just today's system replacement.
Convenient monthly payments
Turn one large project into predictable monthly payments that fit alongside the rest of your household budget.
Quick credit decisions
No waiting weeks to find out. Decisions come back fast, so a failed system doesn't leave your family sweating the calendar.
Advance notice of events
Cardholders get advance notice of Home Projects events — so the timing of your next upgrade can work in your favor.
Free estimates first
Before financing anything, a comfort advisor designs your system and prices options at multiple price points — free.
Simple as 1, 2, 3
From estimate to installed, without the wallet whiplash.
Free estimate & system options
A Shumate comfort advisor designs a full system for your home and walks you through options at multiple price points — patiently, with no pressure.
Quick credit decision
Apply for the Wells Fargo Home Projects credit card. Credit decisions come back quickly, so your project keeps moving.
Install now, pay monthly
Your new system goes in on your schedule, and the cost becomes a convenient monthly payment instead of one big check.
More than a payment plan
The math works before the financing does.
Financing is just the last step. What makes a Shumate replacement a good decision is everything wrapped around it.
- Free replacement estimates — always, with options at multiple price points
- 10-year parts & labor warranty available with selected equipment
- Honest repair-vs-replace guidance — if a repair runs 30–50% of a new unit's cost, or the system is past 8–10 years, we'll tell you replacement wins
- R22 phase-out guidance — if your system still runs on phased-out R22 refrigerant, we'll map the smartest path to a modern system
The Wells Fargo Home Projects® credit card is issued with approved credit by Wells Fargo Bank, N.A., an Equal Housing Lender. For newly opened accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 03/01/2021 and is subject to change. Ask your Shumate team member for current details.
Good questions
Financing, without the fog.
The Wells Fargo Home Projects program is designed for exactly what its name says — home projects, most commonly a new heating and cooling system replacement. Start with a free estimate and your comfort advisor will walk you through what your project qualifies for.
Quick credit decisions are one of the program's core benefits. You won't be left waiting for weeks with a dead system while paperwork crawls — decisions come back fast enough to keep your installation on schedule.
No. How you pay has nothing to do with how you're protected. The 10-year parts and labor warranty is available with selected equipment whether you finance the system or pay outright.
Programs and terms change over time, so the best answer is a current one: ask your Shumate team member. Call 678-SHUMATE or request a free estimate and we'll lay out every option available for your project.
System down right now?
Get comfort first. Sort payments after.
24 hours a day, 7 days a week, 365 days a year — a live Shumate team member answers, and help gets on the road.