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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2.0

EnergySage Rating

2.0

EnergySage Rating

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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

Services Offered

Financing

Warranties & Certifications

Industry Certifications

What Customers Are Saying

Ratings & Reviews

Ratings & Reviews

2.0

281 reviews

2.0

Average Rating 281 review(s)

Response

Quality

Value

Service

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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.

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.

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.

alohn2000 on Nov 01, 2024

Avoid the aggravation

I work as a utility contractor and thought to get panels installed on my home. It has been a nightmare from the get. No one communicates with anyone else, the left hand doesn't know what the right is doing. They keep harassing me about being turned on, but they don't communicate with the installer at all, and in spite of me AND the installer telling them I am not generating, they are still billing me. I will be sending the emails, dated 10 minutes apart, harassing me for status and the billing ignoring my generation status to the Better Business Bureau and contacting a lawyer to explore my legal options.

appzombieash on Oct 31, 2024

I would leave no stars

RUN FROM THIS COMPANY! It has been 17 months of nothing but problems. Avoid any solar company that uses this company for the loan. It is a horrible company and a horrible loan. Some fault is on my for not checking into the company more but there have been so many problems it would take forever to list. Currently we paid off the loan by getting HELOC loan just to get away from them. We paid them off but still trying to charge us $2330. They like to put you on hold an pretend to talk to supervisors then come back and say "email' us. I requested a breakdown of the loan for the past 17 months and they were not able to do that. It is not in your client portal. Just avoid trust all the negative reviews. 0 Stars!

hlstanley99 on Oct 25, 2024

MOSAIC is the WORST Company Beware!

This company has cost me thousands of dollars trying to transfer my loan to a buyer for my property! They have the most ridiculous and senseless rules that block people from transferring loans, even when buyers are fully qualified. Thanks to their idiotic policies, I’ve lost TWO buyers, both approved for a home loan, but somehow couldn't get approved for a $158 per month loan—what a joke! We even went as far as trying to add someone to the loan, and still, they refused to approve it. Their practices are not only worthless, they’re downright unethical. On top of all this nonsense, you can't even start the process until the house is in escrow, which is just another roadblock! And then, they have the nerve to tell you to reapply after 30 days, knowing full well that delays like this sabotage the sale. This company is an absolute disaster to work with, and their methods are a nightmare for anyone trying to sell their home!

miguelcashflows on Oct 22, 2024

Location

Headquarters

601 12th St., Suite 325
Oakland, CA 94607
United States

601 12th St., Suite 325
Oakland, CA 94607
United States