Our current unit is a 1985 heat pump that went out about 4 years ago. We have gas logs and a blue flame heater that can heat our whole house well as long as you leave all the doors open. We bought this house in 2004 and were not that impressed with the heat it put out. I hear the new ones are much better. To get a low interest loan we have to get a heat pump. My question is should I get a bank loan to purchase a gas pack, or go ahead with the heat pump or dual fuel to the the loan rate loan trough the electric company? I have gotten 2 heat pump and dual fuel quotes so far. They are both 14 SEER sytems from Bryant and American Standard. The Bryant dual fuel is $500 higher than the heat pump, and the American Standard is $1000 to upgrade to dual fuel. What do you guys think?