- Sep 22, 2025: Solar Servicing, part of Forbright Bank, took over Mosaic’s loans.
- Jun 6, 2025: Mosaic filed for bankruptcy.
What happened to Mosaic?
Mosaic started in 2010. It became one of the biggest home solar lenders, with more than $15 billion in loans. Then home solar sales fell, and Mosaic ran out of room.
- Mosaic files for bankruptcy in the Southern District of Texas. It says it plans to keep servicing loans.
- Solar Servicing, owned by Forbright Bank, takes over Mosaic’s loan servicing.
- Mosaic winds down what’s left. It no longer makes new loans.
Mosaic’s fall hit installers too. When Freedom Forever filed in 2026, it owed Mosaic about $114 million. See the Freedom Forever guide, or our main solar bankruptcy guide.
What should Mosaic borrowers do right now?
For most people, the answer is simple: keep paying. Tap the one that sounds like you.
Your terms and schedule didn’t change. Your old payment methods still work. Save your statements.
How to pay nowReach out before you miss a payment. Ask what options you have, and get the answer in writing.
Contact and payment stepsSolar Servicing hired a team for loans that were only partly paid out. Contact the servicer and your installer.
Unfinished projectsYour loan is a separate deal from your installer. Keep records of any work not done, and ask the servicer what applies.
What happens nowConfirm any change with a number you already trust, like one on an old statement. Never pay a new account on a stranger’s word.
Spot the scamScammers target borrowers after big bankruptcies. Hang up and call the servicer at a number you trust.
Spot the scamHow do I pay my Mosaic loan now?
The same way you always have. Mosaic says borrowers must keep paying under the same terms and schedule as their loan.
- Pay onlineLog in to your loan account the way you did before. Your payment methods are still active.
- Or pay by mailMosaic lists this address: P.O. Box 78080, Phoenix, AZ 85062-8080.
- Keep recordsSave every statement and receipt. Note the date of each payment.
What Mosaic loan traps should I watch for?
Three problems catch Mosaic borrowers most. Each one has a fix if you act early.
- Payment jumpsMany solar loans raise your payment after 18 months unless you prepay the tax credit amount, the CFPB warns.
- Selling your homeSolar loans often come with a lien. Ask Solar Servicing for a payoff letter before you list.
- Credit report errorsCanceled loans can still show up. Dispute errors with each credit bureau.
My Mosaic project was never finished. What now?
This is the hardest case. Your loan may be only partly paid out to your installer. Solar Servicing says a special team is working on these.
Do I need to file a claim in Mosaic’s bankruptcy?
Most borrowers don’t. If you’re just paying your loan, nothing changes. If you believe Mosaic owes you money, check the case website for rules and deadlines.
- Find the caseMosaic’s case website is run by Kroll, its case agent.
- Check deadlinesEach case sets dates for claims. Ask what applies to you.
- Use Form 410The official proof of claim form, with your records attached.
What warning signs came before Mosaic’s bankruptcy?
Mosaic’s trouble was tied to the whole solar loan market. Regulators warned first.
- The federal consumer finance agency warned about solar loan traps, like payments that jump after 18 months.
- Mosaic filed for bankruptcy the same day as Sunnova, a sign of deep trouble in solar lending.
- Solar Servicing took over its loans and set up a team for loans that were only partly paid out.
How do I protect my Mosaic loan from scams?
Big bankruptcies bring scams. The most common one: a fake “new account” for your payments. Watch for these signs.
- They call you firstA stranger knows you had Mosaic. They ofer to “take over your warranty” for a fee.
- They want money upfrontReal repair companies quote first. Never pay to keep a warranty you already have.
- They change where you payA sudden “new account” for your lease or loan. Call the servicer at a number you already trust.
Mosaic bankruptcy questions, answered
Did Mosaic go out of business?
Mosaic filed for bankruptcy on June 6, 2025, and is winding down. It no longer makes new loans. But its loans live on. On September 22, 2025, Solar Servicing, a company owned by Forbright Bank, took over servicing Mosaic loans.
Who services Mosaic solar loans now?
Solar Servicing LLC, a company owned by Forbright Bank. It took over Mosaic’s loan servicing on September 22, 2025. It said it would keep servicing loans as usual, so borrowers can keep paying and loan owners keep getting paid. Check your latest statement for its contact details.
Do I still have to pay my Mosaic loan?
Yes. Mosaic says borrowers must keep paying under the same terms and schedule as their loan agreement. A bankruptcy doesn’t cancel your loan. Keep paying the way you always have, unless the servicer tells you otherwise in writing. Missed payments can hurt your credit.
Did my Mosaic loan terms change?
No. Forbright Bank said borrowers’ payment terms and schedules stay the same. Mosaic’s payment methods are still active. If anyone tells you your terms changed, confirm it with a number you already trust before you act. Your rate and monthly payment should stay the same.
How do I pay my Mosaic loan now?
The same way as before. Log in to your loan account, or mail your payment to the address Mosaic lists: P.O. Box 78080, Phoenix, AZ 85062-8080. Save every statement and receipt, and note each payment date. If you have questions, call the servicer before your due date.
What happens to a Mosaic loan for an unfinished project?
If your loan was only partly paid out, Solar Servicing hired a special team to work with installers and loan owners on a fix. Mosaic says projects that got no money were closed. Keep every contract, email and photo. Ask the servicer for answers in writing.
Is Solar Servicing legit?
Yes. Solar Servicing LLC is a company owned by Forbright Bank. It announced it had taken over Mosaic’s loan servicing after the court approved Mosaic’s plan. Still, check any call or letter with a number you already trust. Never share your login with someone who calls you.
Can I stop paying my Mosaic loan because my installer went bankrupt?
Not on its own. Your loan is a separate contract from your installer. If work was never done, contact Solar Servicing and keep records. A consumer lawyer or legal aid can look at your options before you stop any payment.
Is Mosaic still making new loans?
No. Solar Servicing said it has no plans to make new solar loans. It is servicing loans that already exist. Installers were told to help customers with unfunded projects find other financing. If you’re shopping for solar now, compare other lenders carefully.
Why did Mosaic go bankrupt?
Mosaic pointed to a hard market for home solar. Home solar installs fell 31% in 2024, and doubt about federal solar tax credits hit the industry. Before filing, Mosaic tried to cut costs to stay afloat. It filed for bankruptcy in June 2025.
When did Mosaic file for bankruptcy?
Mosaic filed for Chapter 11 bankruptcy on June 6, 2025, in the U.S. Bankruptcy Court for the Southern District of Texas. Its loan servicing moved to Solar Servicing on September 22, 2025. Mosaic is now winding down what’s left. Your loan payments still go on as usual.
How do I avoid Mosaic loan scams?
Be careful with anyone who calls you first or says to pay a new account. Hang up, and call the servicer at a number from an old statement. Never share your login. Report scams to your state attorney general. Real servicers won’t pressure you to pay on the spot.
Can I sell my house with a Mosaic loan?
Yes, but plan ahead. Many solar loans come with a lien on the system, often called a UCC lien. Ask Solar Servicing for a payoff letter early. You’ll usually pay off the loan at closing, then get the lien released. Start before you list your home.
Why did my Mosaic payment go up?
Many solar loans are built to raise the payment after about 18 months unless you prepay an amount equal to the tax credit, the CFPB says. Even people who pay on time can get surprised. Check your loan papers for the prepayment date and amount.
My canceled Mosaic loan is still on my credit report. What can I do?
Dispute it with each credit bureau that shows it, and include your cancellation papers. Ask Solar Servicing to correct it in writing. If it isn’t fixed, file a complaint with the Consumer Financial Protection Bureau. Keep copies of everything you send.
Sources and updates
Sources (16)
- Solar Mosaic, Chapter 11 announcement, June 6, 2025.
- Solar Mosaic, Mosaic Loan Servicing is now Solar Servicing: borrower FAQs and the payment address.
- Forbright Bank, Solar Mosaic’s loan servicing operations transition to Solar Servicing, September 22, 2025.
- Kroll (Mosaic’s case agent), Mosaic case information.
- pv magazine, a solar trade publication, Solar Servicing to acquire insolvent Mosaic: loans funded and households served.
- Solar Power World, a solar trade publication, Solar Servicing acquires Mosaic assets, September 25, 2025.
- Law360, a legal news service, Freedom Forever LLC case coverage: about $114 million owed to Mosaic.
- U.S. Courts, Official Form 410, Proof of Claim and instructions.
- Federal Register (Judicial Conference of the United States), Revision of Certain Dollar Amounts in the Bankruptcy Code: the $3,800 consumer deposit priority.
- U.S. Department of Labor, Plant closings and layoffs (WARN Act): layoff notice rules.
- Administrative Office of the U.S. Courts, PACER: federal court case search.
- U.S. Securities and Exchange Commission, EDGAR full-text search: public company filings.
- Consumer Financial Protection Bureau, Consumer advisory on solar loans: payments that jump after 18 months.
- Consumer Financial Protection Bureau, Issue spotlight: solar financing, August 2024.
- CBS News Texas, Solar bust: bankruptcies leave customers with broken panels: about 100 closures, UCC liens, SunStrong transfer emails.
- WSOC-TV (Charlotte news), Will Pink Energy customers have to pay back loans?: lenders asked to pause payments; Sunlight relief.
Changelog · last updated October 5, 2026 · 1 update
- October 5, 2026: Guide published with Mosaic’s bankruptcy timeline, the move to Solar Servicing, payment steps, unfinished projects and scam warnings.
How to cite this page: The Day Company, “Mosaic went bankrupt. Who services your solar loan now?”, updated October 5, 2026, https://theday.company/solar-bankruptcy/mosaic.
This guide explains public records in plain language. It is not legal advice. For your own situation, talk to a bankruptcy lawyer or legal aid. The Day Company is not tied to Mosaic, any buyer, servicer, lender or installer, and no company pays for placement in this guide.