I got 2 estimates today... The guy from the first company said that all the details are still being worked out but that I would "probably" qualify for rebates if I went for high-end equipment. The second guy (the President's guy) knew about all of the state, local, and federal rebates... And said they would work with me to make sure they all got done properly. They seem like the better company but I am researching Bosch v Daikin heat pumps. The President's company uses Bosch, the other uses Daikin. Just starting my research but the dakin is apparently more advanced. That company was a few thousand dollars more than the Bosch company. So.... still researching. I may see if Daikin is an option with the better company. That would be ideal. I think I'd be on my own trying to figure out the rebates and stuff with the first guy.
Edit to add: The Daikin apparently is almost bulletproof and has a 12 year warranty (v. 10 for Bosch... which is also not as comprehensive).
Edited again to answer question: the good company said that the state and local rebates happen quickly. The federal tax credit comes at tax time. But everything is out of pocket up front. That's how it was with my solar panels... 12k out of pocket, got 6k back from the state after a couple months, then got 30% off of that at tax time. So it ended up being 4K when all was said and done. One of the best purchases I've ever made.