Heating, ventilation, and air conditioning (HVAC) systems have been shown to act as a collection source for a variety of contaminants that have the potential to affect health, such as mold, fungi, bacteria, and very small particles of dust. The removal of such contaminants from the HVAC system and home should be considered as one component in an overall plan to improve indoor air quality.
No one has addressed mfg homes and doesn't seem any of the comments are from people in So CA which of course does make a difference as my dust comes from the outside not from the vents. My windows are open pretty much 365 days a year. Secondly mfg homes don't have basements or attics I keep mine clean with my vacuum as they are only about 2 ft deep. I purchased my home 10 yrs ago and it is a high end home but have never had a problem. I clean my furnace filter about twice a month as I have cats and most everything in there is cat fur. I am not saying they don't ever need to be cleaned but I am questioning mfg homes, I also clean my own filters in my AC unit outside as the HVAC guy told me too he QUATITY they would sell. I use this same company every year now for my tune up and inspection which takes them about 10 minutes. Not a bad return for them and I don't mind the $79 fee. If anyone has more info than this on mfg homes please let me know!

Prices for central-air HVAC systems will vary. The national average to hire an HVAC specialist is $2,920-$3,670 but can run as high as $5,000 or even $12,000 depending on the capacity you need and other factors. Installing central air conditioning requires an entire system that works together to draw hot air out of your home. The system includes an outdoor unit, which houses the condenser and compressor, and the evaporator coils. If you don’t have an existing duct system, ductwork will need to be installed, which will affect labor and material costs. Leaking or damaged ducts will also need to be replaced.
The performance of vapor compression refrigeration cycles[26] is limited by thermodynamics. These air conditioning and heat pump devices move heat rather than convert it from one form to another, so thermal efficiencies do not appropriately describe the performance of these devices. The Coefficient-of-Performance (COP) measures performance, but this dimensionless measure has not been adopted. Instead, the Energy Efficiency Ratio (EER) has traditionally been used to characterize the performance of many HVAC systems. EER is the Energy Efficiency Ratio based on a 35 °C (95 °F) outdoor temperature. To more accurately describe the performance of air conditioning equipment over a typical cooling season a modified version of the EER, the Seasonal Energy Efficiency Ratio (SEER), or in Europe the ESEER, is used. SEER ratings are based on seasonal temperature averages instead of a constant 35 °C (95 °F) outdoor temperature. The current industry minimum SEER rating is 14 SEER.[27][dead link]

PickHVAC Tips: Installing the right size central air conditioner is extremely important. Have a load calculation done to ensure proper sizing. ACs that are too big aren’t as energy-efficient as they should be, and they cycle on and off too much. This creates over-cooling and temperature imbalance. Units that are too small run constantly in very hot weather and can’t keep your home cool. When an air conditioner is properly sized, it runs at optimal efficiency and indoor comfort.

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.