Mosaic reviews
• last updated FEB 26, 2026Loading map...
The Verdict
Mosaic will take your money but won't take your calls. We analyzed hundreds of reviews and found one nightmare repeating: this lender disbursed tens of thousands to contractors before work was finished, then refused to help when the installation company disappeared. One customer paid Mosaic for over a year on an incomplete system while the lender "rudely closed my case, over and over again." Another watched Mosaic fund an ADU build that had nothing to do with solar, the contractor vanished, and Mosaic went silent for a month despite multiple follow-ups. The lien problems are worse. 43 reviews describe undisclosed liens blocking refinances and home sales. Mosaic changed its temporary-release policy in 2023 but applied it retroactively to loans signed years earlier, trapping sellers who'd been promised easy transfers. Buyers with perfect credit are auto-denied by a "flawed" algorithm, reps admit they don't know the criteria, and manual reviews take weeks while closings collapse. One seller's realtor called it the worst solar transfer nightmare in 15 years. When customers try to resolve payment disputes (even providing cashed check images), Mosaic threatens shutoffs. The only praise we found was for the initial application process, back when the money was flowing toward Mosaic, not away from it.
If you're considering Mosaic financing, understand that you're signing a lien you may not be told about and entering a transfer process that can torpedo a home sale with zero recourse. Walk away. Find a lender with a functional customer-service department and a track record of actually helping when installations go sideways.
Reviews That Shaped Our Verdict
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.
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.
Angela, who spent more than 20 years in the energy and oil sector, had a 12.64 kW solar system on her ranch-style home estimated to produce about 19,834 kWh a year — a system whose value should rise as electricity rates climb. During a home sale she tried to transfer the Mosaic loan to the buyer and encountered a months-long ordeal that stalled the transaction and cost thousands. She discovered the transfer process relies on Mosaic’s automatic approval engine: the buyer filled an online application, the system pulled credit from Experian or Equifax, and an approval or denial popped back within seconds. Despite the buyer having a strong FICO score, good DTI, no recent bankruptcy or derogatory items and a solid credit history, the automated system denied them multiple times. Angela learned that brand-new customers can sometimes get a manual underwriting override from underwriting, but loan transfers are routed to a separate loan assumptions/transfer group that strictly follows Mosaic’s undisclosed algorithm. Representatives repeatedly told her they weren’t at liberty to reveal the specific qualification thresholds. She endured repeated “system glitches,” was asked to reapply as a
Platforms Monitored
Performance by Work Type
How We Got To Trust Score 31
Buyer Beware
Unauthorized Activities
5 reports
Misleading Claims
1 report
Background Check
Serving customers for 10 years
Operating longer than most installers in the market.
BBB Rating
Not BBB rated.
Review Patterns
Contractor License
License information could not be confirmed.
What You Can Expect
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.
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.