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Mosaic

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We empower homeowners to unlock greater savings, resilience and value in their homes by making solar energy financing accessible and affordable for homeowners.
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About Mosaic

Overview

Mosaic is an industry-leading fintech platform for sustainable home improvements. Founded in 2010, Mosaic was a pioneer in clean energy lending and continues to provide innovative solutions for financing solar, battery storage, heat pumps and more. We have funded over $13 billion in loans to help more than 360,000 households make their homes more sustainable and save money on their utility bills. Our financing options unlock billions of dollars of capital annually into high-quality ESG assets. Join us in our vision of 100% clean energy for all at joinmosaic.com
Year Established
2011
Phone Number
855-746-5551

Services Offered

  • Financing

Industry Certifications

What Customers Are Saying

Ratings & Reviews

2.0
284 reviews
2.0
Average Rating 284 review(s)
Response
2.5
Quality
2.0
Value
2.5
Service
2.0
Leave a Review
Denied

After buying a $460,000 home and great credit they denied me the transfer of the loan for me to take over the payments. This is sad as we just bought a house with solar on it under Mosaic. We had to buy it outright when we didn't want to. Some sad excuse of not enough revolving credit. That is horse crap. THIS IS THE WORST COMPANY EVER! I will never do any type of business with this company.

Posted by stoddardmicheal on Jan 07, 2025
Horrible Business

We are in the process of selling our home and the new seller went to apply. The seller was approved for $570k with great credit, but somehow wasn't approved for the solar panels. Are interest rate was so low that the only reasoning would be to hurt another family and force them to pay off the loan because they aren't making a lot off of the interest. This hurts three different families all because of a greedy company that doesn't value their military families or single families. All they want is to hurt and make money. DO NOT USE MOSAIC!!!

Posted by cdolsen83 on Dec 27, 2024
Would leave 0 stars if possible

This company is not following their own contract. I have a contract with a loan maturation date if the minimum payment was made. I reviewed my account and saw that after 6 months in my account was applying 0% to the principal . This is the payment the company selected, not me. It was not reduced in any way. When I called, the overseas call center kept repeating to me the definition of interest. I explained over and over that I knew how interest worked and that a company cannot apply nothing to a principal against the terms of their own contract. I will be obtaining a new loan with a valid company and have hired counsel due to predatory lending practices.

Posted by ninamariebush on Dec 17, 2024
Run from they they're coming to robbing you.

Don't do business with mosaic they are scams worst experience ever i truly regret to take this thing i pay over 400 a month with that trash and duke energy they lock my panel solar for 10 months and they took my money every single month they acted like a gangster run away from them they are trash when they came to your house do not accept they are here to robbing you.

Posted by guerdaregis1 on Nov 14, 2024
Fraudulent Practices

This lender already started billing me even though my solar has been non operational for 6 months. The lender told me verbally they wouldn’t bill till the system was operating. The system was wrongfully installed and the contractor has been lacking to fix it. The company begin billing me and I am now not able to take full advantage of my tax credit.

Posted by aaronlopez1212 on Nov 13, 2024
Absolute garbage of a company

DO NOT DO BUSINESS WITH MOSAIC IN ANY WAY!! Had a solar loan through them that we were assured multiple times was transferrable if we sold the house. Three years later, we're getting ready to sell and move, we call and confirm we can still transfer the loan as long as the buyer is approved. A few months later, we're under contract and the buyer has agreed to assume the loan. We contact Mosaic to start the process, as they instructed, and we told that they had "recently" changed their rules and no longer are allowing the transfer of loans......less than 10 days from closing the sell of the house. According to their legal rep, "On page 21 of the contract, (buried in a paragraph), they reserve the right to change the conditions of transferring the loan at any time". Had no choice, had to cover the remaining cost of the loan at closing, leaving us with less than half what we were projected to make for our next house. I can understand changing business needs, but as a company, there should be a grandfather clause for customers who've already established the loan under the pretense that it could be transferred. We learned an expensive lesson...NEVER DO BUSINESS WITH MOSAIC. I would leave less than 1 star if I could.

Posted by alohn2000 on Nov 01, 2024

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