Indoor Fan Motor -- Indoor fans circulate the air from your house and through the system. Age and dust buildup are the two biggest contributing factors to their failure. When they are starting to fail they will often make noise. Failure of the fan will result in no heating or cooling, and if it is not repaired soon, it can cause other components to fail.
An alternative to packaged systems is the use of separate indoor and outdoor coils in split systems. Split systems are preferred and widely used worldwide except in North America. In North America, split systems are most often seen in residential applications, but they are gaining popularity in small commercial buildings. The split systems are a great choice for small buildings where ductwork is not feasible or where the space conditioning efficiency is of prime concern [20]. The benefits of ductless air conditioning systems include easy installation, no ductwork, greater zonal control, flexibility of control and quiet operation [21]. In space conditioning, the duct losses can account for 30% of energy consumption [22]. The use of minisplit can result in energy savings in space conditioning as there are no losses associated with ducting.

Heating, ventilation, and air conditioning (HVAC[1]) is the technology of indoor and vehicular environmental comfort. Its goal is to provide thermal comfort and acceptable indoor air quality. HVAC system design is a subdiscipline of mechanical engineering, based on the principles of thermodynamics, fluid mechanics and heat transfer. "Refrigeration" is sometimes added to the field's abbreviation, as HVAC&R or HVACR or "ventilation" is dropped, as in HACR (as in the designation of HACR-rated circuit breakers).

Good article, but it fails to point out that leaky return-side ducts could be drawing dust and allergens into the duct system from the enclosed spaces in which they run, e.g. between walls, below floors, attic. So duct cleaning may only be a temporary solution. The homeowner can get a home energy audit -- free in many states -- to determine if they have significant duct leakage. An Aeroseal dealer may be able to effectively seal up the duct system without needing to tear into walls etc to get to the ducts.
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.