Skip to main content

Mosaic

We empower homeowners to unlock greater savings, resilience and value in their homes by making solar energy financing accessible and affordable for homeowners.
Mosaic logo
2.5
Avg rating

Get free solar quotes from local installers on EnergySage

Our pre-vetted network of installers compete for your business, which allows us to give you more options and the best deals.

Get Quotes
EnergySage
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

2.5
235 reviews
2.5
Average Rating 235 review(s)
Response
2.5
Quality
2.5
Value
2.5
Service
2.5
Leave a Review
Beware

Terrible company with poor customer service and false advertising. Used them for solar loan and was told no interest or payments due until after go live. Only to find out they have been charging daily interest on the full loan balance when they only supplied installer with a quarter of the proceeds. Also paid well over the principle and interest only to be snatched into the interest and no reduction to principle balance.

Posted by ghenderson20 on Feb 13, 2024
I’m another in a long list of the scammed

Just like the others in a long list of victims of scam between Freedom forever and Mosaic. If you read one, you’ve read them all. I’m paying for solar that I never received. I have to pay in order to keep my credit in good standing. It’s a scam… I have made 3 payments in 4 weeks, 2 of which were “past due” One week later, I got another “past due” bill that is double the previous amounts.

Posted by rickroots11 on Feb 13, 2024
Terrible service

This company has wasted so much of my time. They took months to cancel my loan and then threatened to harm my credit if I didn't make the payments even after they said the loan was canceled also beware if they cancel your loan it takes 30 to 45 days even after the loan is canceled. They are just trying to steal your money and the customer service is absolutely the worst

Posted by ehrenandeleni on Feb 12, 2024
Not a Trust worthy company

After I made two payments of the loan, and I don't see my principal payment is reducing. So I called Mosaic, I was told that the payments that I made are only for interest, my loan will not reduce the principal until the 5th or 6th payments. I reviewed my contract, and the closing certificate, it didn't specific in the contract. It only tells me the monthly payment. This is really misleading customers to the point I think this is not honest. I will never recommend anyone to use this company. Scam...... Never use this company. Called the customer services and they told me nothing they can do....... What a company! Thank you...... I learned my big lesson. Also, I have been told to get .25% interest discount on my interest rate if I do an ACH every month, but they still calculate my interest with original interest rate. A dishonest company.

Posted by kellyliao98 on Jan 29, 2024
Predatory loaners

They set you up to fail. They start collecting interest on your loan the day you sign up and don’t start making you start paying until four months later. By then you’re so buried in interest you have to pay that off before being able to pay down the loan. They set up your monthly payments so low it does even cover the interest. So now you have a loan that keeps getting higher and higher and no hope of ever being able to pay it off. Customer service was awful. No help, no explanation. Just too bad, so sad.

Posted by vfields9 on Jan 27, 2024
Unauthorized Loan

Lender Mosaic has been asking me to pay down a $65K loan in connection with a residential rooftop solar project that was planned but cancelled by the residential solar installation company Freedom Forever in August 2022 (almost 1.5 years ago). I have spent many hours on the phone with each company who has blamed the other company for holding up the loan cancellation process. Meanwhile, my FICO score is at risk because of a breakdown in their installer-lender partnership. I emailed the Mosaic CEO last week for help and received no response. This is illegal and unacceptable and seems to be a repeated behavior based on other reviews.

Posted by al2784 on Jan 18, 2024
    • Residential
    • Solar PV
    • 6.3 kW
    Glen Ellyn Solar PV
    • Residential
    • Solar PV
    • 14.6 kW
    Afton Minnesota Rooftop Solar PV
    • Residential
    • Solar PV
    • 11.3 kW
    Fort Walton Beach Solar PV
    • Single-Family Residence
    • Solar PV
    • 12 kW
    Panasonic 400, Enphase IQ7+, 12 kw, in California Foothills

Location

Headquarters

States Served