Mosaic reviews

Scott began with a straightforward online application and discovered approval happened quickly and without hassle. He worked with the service company to arrange financing so installers could start the job with no out‑of‑pocket expense. After the work finished, he completed the verification entirely online, which cleared payment to the service company. What stood out for him was that approvals, financing, and final sign‑off were all handled digitally — the whole project moved forward with zero upfront cost and minimal fuss.

lkgrant08 installed a solar system two years ago through this company in conjunction with Freedom Forever Solar and discovered a major problem when they tried to sell their house. During the sales process they and their husband were repeatedly reassured the solar contract and loan would simply transfer to the buyer — "everything stays the same." Now, as buyers attempt to assume the loan, those transfer requests keep getting denied, stalling the sale unless the couple pays off the loan in full. Customer service from both firms offered no workable solution, responding only with a form reply that the buyer can "try again in 30 days." They felt misled by the original assurances and frustrated that there’s no clear path to complete a sale with the panels in place. The detail a future buyer should remember: what was sold as a seamless transfer turned into a potential deal-breaker that may force paying off the solar loan to move the house.

Jamal discovered a lien tied to his solar panels nearly three years after installation while trying to close a refinance on his home. His bank approved the loan but ran into a problem: Mosaic wouldn’t respond to their inquiries, and now Mosaic insists the only way to get a lien release is to pay the roughly $64,000 balance in full. He hit frustrating customer-service walls — two agents hung up claiming internet issues and one told him she was in the Caribbean, leading him to conclude support is outsourced. The panels were installed under a Freedom Forever contract, and he maintains he never signed or received notice of an alleged fall 2023 policy change that now blocks temporary lien releases for accounts like his. Even more confusing, Mosaic’s automated system prompts for a lien release, yet the company won’t grant one unless he pays off the system, despite him not being delinquent or planning to sell. Stuck in the middle of a refinance with his property effectively tied up, he’s seeking legal help and wants to hear from anyone who has pursued a similar remedy.

audabel12907 moved ahead with a household solar installation and ended up with uninterrupted power for the family. They found the installation process smooth from start to finish, noticed a modest drop in their energy costs, and—unexpectedly—started earning a few dollars by sharing the system with friends and relatives. The detail that lingers is that the project delivered steady energy and small, tangible savings, plus a bit of extra income from referrals.

douglasobode financed a residential solar installation through Mosaic, but the installer, America Power, never finished the work and then became unreachable. They ended up paying Mosaic for more than a year while the system remained incomplete. They encountered repeated roadblocks when Mosaic said it couldn’t reach America Power and, instead of resolving the issue, kept “closed my case” — customer service repeatedly shut their case and came off as rude. After months of payments and dead-end communication, the most striking takeaway was having an active loan for a job that was never completed and a lender that would not escalate or fix the installer contact problem.

victisdale had a rooftop system installed a little over a year ago and financed it through Mosaic, but the experience turned into a steady grind of hassle. They ended up with a nearly $200 monthly loan payment while still getting and paying an ordinary electric bill because the solar array never produced power and — according to the reviewer — now sits without an active contract. Mosaic paid the installer despite the job not being finished to customers’ satisfaction, and the company keeps calling about payments three times a month and mailing statements demanding what’s owed. The homeowner has paid every bill Mosaic demanded but cannot sustain paying both the loan and the utility. Frustrated, they filed complaints with the AR and CA BBB and point out that Mosaic has hundreds of similar complaints; Mosaic has so far refused to resolve the situation. The image that sticks: more than a year after installation, repeated billing and collection contacts from the lender while the panels do nothing and the electric bill remains.

While expecting panels to cut their power bills, kahlelewis discovered the financing made the project feel unaffordable — likening the loan size to financing a car for 84 months. The deal included a promotional window that came with the option to pay the entire balance up front; if that didn’t happen, interest was treated as if it had been accruing since the contract began. They paid down the principal during the promo, only to have the company add about $248 per month in interest back onto the loan once the promotion ended. The standout takeaway: the promotional terms can mask interest that becomes a substantial monthly charge after the promo expires.

Johnburkesmom had been mailing checks for her solar account the same way for four years when she discovered the company suddenly claimed her last two payments hadn’t been received — even though the bank had cashed those checks. She provided copies of the cashed checks as proof, but the company refused to accept them and would not credit her account. She even sent additional payments that were cashed but still not applied, and the installer then threatened to shut off her solar within 40 days. Technically she is three payments ahead, yet staff handled the situation rudely and offered no alternative path to resolve the discrepancy. Frustrated, she is now exploring legal options and believes the firm may be violating fair lending and payment-processing rules. The detail that stands out: cashed checks and extra payments were accepted by the bank but never credited — and a shutoff was threatened despite her being paid ahead.

lburrell48 and her sister, both in their late 60s and on fixed incomes, dealt with a salesman about a residential solar install and told him no on three separate visits — yet he still promised a $12,000 check at the end of the year. That payment never materialized, and they discovered the salesman had misrepresented the deal. After the panels went up they started popping out of the side frames, a defect severe enough that it appears to be contributing to their foundation sinking. To make matters worse, they ended up locked into a 25-year loan whose interest accrues daily, leaving them financially trapped while facing a physically damaging installation. The detail that sticks: compromised roof/foundation issues paired with a long, daily‑interest loan — not the outcome people expect when they say no and are reassured by a salesperson.