What to do?

This most likely won't come up to the lender. If you want peace of mind, you can get an after-sale warranty through a company like AHS. Keith Jean-Pierre Managing Principal The Dapper Agents Operations In: NY, NJ, FL & CA

This is a common question among Florida buyers and sellers, and the answer depends on your specific situation and local market conditions. Understanding the fundamentals before making any decisions protects your investment and your timeline. In Spring Hill, Hernando County, Florida, the real estate landscape has its own characteristics that affect how this plays out in practice. The Hernando County market attracts a diverse buyer pool including relocators from higher-cost states, retirees, and local move-up buyers, which creates consistent demand across most price points and property types. The strategic approach is to work with a local agent who can pull current comparable sales data and walk you through the specific factors that apply to your situation in Florida. Every market is different at the neighborhood level, and decisions based on general advice or national headlines often miss the local nuances that matter most to your outcome. Making informed decisions based on local data is always the strongest position. Kevin Neely & Kaitlynd Robbins | K2 Sells, Keller Williams Elite Partners

A voided manufacturer warranty does not affect lender approval. Lenders care whether the system works, not whether the warranty is intact. As long as the HVAC is functional and passes inspection, financing will not be an issue on this point. Where it may come up is during buyer negotiations. A savvy buyer or their agent may ask about the warranty status and use it as leverage to negotiate price or request a home warranty policy at closing. Being upfront about it rather than waiting for it to surface during inspection protects you and keeps the deal moving. Before you list, schedule a professional HVAC service and get a written report confirming everything is in good working order. That documentation gives buyers and their lenders confidence and removes the objection before it becomes one. A home warranty offered at closing can also fill the gap left by the voided manufacturer warranty and is often a low cost concession that keeps deals together.

Yes, the lender is only concerned that the HVAC system is in good working order.