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LENDER GUIDE

Mosaic Solar Loan: Who Services It Now and Your Options

Mosaic's 2025 Chapter 11 moved its loan servicing to Solar Servicing LLC, part of Forbright Bank. Who you pay now, how to get a payoff and UCC release, what the lawsuits allege and your options.

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SEBy SolarPanelExit.com Research Team
Reviewed October 20, 2026Sources (12)Not legal advice
Every fact linked to a sourceNot a law firm. Not legal advice.Facts checked October 20, 20267 min read
On this page
  1. Who services my loan now?
  2. What the bankruptcy changed
  3. Payoff and UCC termination
  4. Selling with a Mosaic loan
  5. Autopay and your rate
  6. Mosaic lawsuits
  7. Your options
  8. Frequently asked questions
  9. Sources

The answer

Checked October 20, 2026: Mosaic went through Chapter 11 in 2025, and since September 22, 2025 most Mosaic solar loans are serviced by Solar Servicing LLC, a subsidiary of Forbright Bank. Forbright says payment terms and schedules did not change, and the loan is generally still owed. Solar Servicing says there is no prepayment penalty and it does not offer loan transfers.[3][5]

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Who services my Mosaic loan now?

Solar Servicing LLC, a wholly owned subsidiary of Forbright Bank, acquired Mosaic's loan servicing operations on September 22, 2025. Forbright said borrowers' payment terms and schedules remain unchanged and existing payment methods stay active.[3] Solar Servicing's site now carries the notice “Mosaic Loan Servicing is now Solar Servicing.”[4]

One exception: Solar Servicing says servicing continues under it “for most customers.” Some Mosaic loans were sold to investors who chose another servicer; those borrowers received a servicing transition letter with different contact details.[4] If your statement names a different company, follow that.

Solar Servicing LLC contact (from its site)

  • Borrower support: (866) 493-6367; option 3 if you are selling your home
  • Payment questions, payoff dates and selling your home: loanservicing@solarservicingllc.com
  • Online account: solarservicing.myaccountinfo.com
  • Payments by mail: P.O. Box 78080, Phoenix, AZ 85062-8080

Source: Solar Servicing contact page.[6] Hours and addresses can change; check your statement.

What the Mosaic bankruptcy changed, and what it did not

Mosaic filed Chapter 11 on June 6, 2025 in the U.S. Bankruptcy Court for the Southern District of Texas; the cases are jointly administered under case 25-90156.[1] Its plan was confirmed in early September 2025 and it emerged on September 22, 2025, with Forbright taking over as servicer and administrator of the asset-backed securitization trusts that hold many of the loans.[2]

Checked October 20, 2026.
DateEventSource
Mar 8, 2024Minnesota AG sues GoodLeap, Sunlight, Solar Mosaic and Dividend over alleged hidden fees (allegations)[7]
Jun 6, 2025Mosaic files Chapter 11 in the Southern District of Texas; lead case 25-90156[1]
Early Sep 2025Court confirms Mosaic's plan of reorganization (deal counsel reports September 5, 2025)[2]
Sep 22, 2025Mosaic emerges; Solar Servicing LLC, a Forbright Bank subsidiary, takes over loan servicing[2][3]
Mar 17, 2026New York AG sues installer Attyx and lenders Solar Mosaic and WebBank (allegations)[8]
  • Changed: who you pay and where you call.
  • Not changed: your balance, rate, term or the obligation to pay. Solar Servicing states borrowers must keep paying under the same terms and schedule.[4]
  • Not affected: any claims you have against your installer. If your installer also went bankrupt, see for example our Freedom Forever tracker.

Mosaic loan payoff and UCC termination

  1. Get the payoff amount. Your Solar Servicing online account shows a payoff amount. For a payoff amount for a specific date up to 10 calendar days ahead, email loanservicing@solarservicingllc.com.[5]
  2. No prepayment penalty. Solar Servicing says you can pay off at any time and pay only accrued interest.[5]
  3. The lien. Solar Servicing records a UCC-1 financing statement on the solar equipment only, not on the house itself.[5]
  4. Solar Mosaic UCC termination. If the filing is not released after payoff, send a written demand. Under UCC Section 9-513, for consumer goods the secured party must file a termination within one month after payoff or within 20 days after your demand if sooner (state versions vary).[11]

Selling a house with a Mosaic loan

Solar Servicing says it does not offer loan transfers and suggests a payoff to complete a home sale; call (866) 493-6367, option 3, early in the sale.[5][6] Your title company will usually request the payoff letter and the release. Selling a home with solar.

Autopay and your interest rate

People search for “Solar Servicing Sure Pay.” Solar Servicing's FAQ does not use that name, but it says you can manage autopay in your online account and that signing up for automatic ACH payments lowers your interest rate to the lowest rate available for your loan.[5] If you were on autopay with Mosaic, check that the discount still shows on your statement.

Mosaic lawsuits

These are allegations, not findings:

  • Minnesota (2024): the Minnesota Attorney General sued GoodLeap, Sunlight Financial, Solar Mosaic and Dividend Solar Finance in Hennepin County, alleging hidden dealer fees of about $35 million on thousands of Minnesota solar loans.[7] We could not confirm the current status, including how Mosaic's bankruptcy affected the claims.
  • New York (2026): the New York Attorney General sued installer Attyx (formerly SUNco), its executives and lenders Solar Mosaic and WebBank, alleging the lenders hid fees in system prices and understated loan costs.[8]
  • Tennessee and Kentucky (2023 to 2026): the states sued installer Solar Titan USA and Solar Mosaic in federal court in Knoxville. On September 16, 2026 the court entered a consent judgment, with no admission by Mosaic, requiring Mosaic to stop collecting the Solar Titan loans it still held as of March 6, 2026. See our Solar Titan USA lawsuit guide.

The CFPB's 2024 report on solar financing describes how dealer fees can inflate loan amounts.[9] If your loan amount was higher than the cash price you were quoted, keep both documents.

Your options with a Mosaic loan

  • Pay off or refinance (no prepayment penalty per Solar Servicing).[5]
  • Sell and pay off at closing.
  • Dispute under the FTC Holder Rule if the installer misrepresented the deal, forged documents or never finished the system. The rule lets you raise claims against the seller with the holder of the loan, capped at what you paid.[10]
  • Complain to the CFPB or your state attorney general if the servicer mishandles your account.[12]

We do not advise homeowners to stop making payments or breach contractual obligations. Missed payments can trigger late fees and other penalties under your loan agreement; a dispute is raised in writing while you keep paying.

Full guide: how to get out of a solar loan.

Want out of your Mosaic loan?

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Disclosure: We may earn compensation when you contact companies through our site. This does not change our ratings. Our partner for solar loans (all lenders except Tesla) and Sunnova PPAs is Uso Holdings LLC d/b/a Solar Exit Group; see authorized partners. SolarPanelExit.com is not affiliated with Mosaic, Solar Servicing or Forbright Bank.

Frequently asked questions

Who services Mosaic solar loans now?

Solar Servicing LLC, a wholly owned subsidiary of Forbright Bank, since September 22, 2025. A small number of Mosaic loans sold to investors may be serviced by another company named in a servicing transition letter.

Did Mosaic go bankrupt?

Yes. Mosaic filed Chapter 11 on June 6, 2025 in the Southern District of Texas (lead case 25-90156), confirmed a plan in early September 2025 and emerged on September 22, 2025.

Do I still have to pay my Mosaic solar loan?

Generally, yes. Solar Servicing says payment terms and schedules are unchanged and borrowers must keep paying. We do not advise homeowners to stop making payments or breach contractual obligations.

How do I get a Mosaic or Solar Servicing payoff letter?

Your online account shows a payoff amount. For a payoff amount for a date up to 10 calendar days ahead, email loanservicing@solarservicingllc.com.

How do I get a Solar Mosaic UCC termination?

Solar Servicing says its UCC-1 covers the equipment, not the house. If the filing is not released after payoff, send a written demand; UCC Section 9-513 sets deadlines for the termination.

Can I transfer my Mosaic loan to a buyer?

Generally no. Solar Servicing says it does not offer loan transfers at this time and suggests a payoff when you sell.

Is there a Mosaic solar lawsuit?

Yes, as allegations: the Minnesota Attorney General's 2024 hidden-fee suit and the New York Attorney General's 2026 suit against Attyx, Solar Mosaic and WebBank.

What is Solar Servicing Sure Pay?

Solar Servicing's FAQ does not use that name. It offers autopay through your online account, and signing up for automatic ACH payments lowers your interest rate to the lowest available for your loan.

Still paying a Mosaic loan?

Still paying a solar loan (not Tesla) or a Sunnova PPA? See if our partner Solar Exit Group can help. No cost to submit. Paid partner; it does not change our ratings.

See if I qualify Who is the partner?
No cost to submitPaid partner, disclosedNot legal advice

Sources

Checked October 20, 2026. Court dates and servicer details change; confirm on the linked primary source before you act.

  1. Court docketSolar Mosaic LLC, Bankr. S.D. Tex. No. 25-90155, jointly administered under 25-90156 (Inforuptcy docket mirror)
  2. Law firm (deal counsel)Davis Polk, Solar Mosaic emerges from Chapter 11 (September 2025)
  3. CompanyForbright Bank, Solar Mosaic's loan servicing operations transition to Solar Servicing (September 22, 2025)
  4. CompanySolar Servicing LLC, Mosaic loan servicing is now Solar Servicing (borrower FAQs)
  5. CompanySolar Servicing LLC, Homeowner FAQs (payoff, autopay, UCC-1, transfers)
  6. CompanySolar Servicing LLC, Contact us
  7. RegulatorMinnesota Attorney General, lawsuit against four solar lenders over hidden fees (March 8, 2024)
  8. RegulatorNew York Attorney General, lawsuit against Attyx and lenders Solar Mosaic and WebBank (March 17, 2026)
  9. RegulatorCFPB, Issue Spotlight: Solar Financing (August 7, 2024)
  10. Regulation16 CFR Part 433, Preservation of Consumers' Claims and Defenses (FTC Holder Rule, eCFR)
  11. StatuteUCC Section 9-513, Termination statement (Cornell LII)
  12. RegulatorCFPB, Submit a complaint

Disclaimer: This article is general information, not legal or financial advice, and does not create an attorney-client relationship. Results vary by individual situation. We do not advise homeowners to stop making payments or breach contractual obligations. Consult a qualified attorney licensed in your state before acting on your solar contract or loan. We may earn compensation when you contact companies through our site. This does not change our ratings. Solar Exit Group (Uso Holdings LLC) is a paid partner; see authorized partners. See our Ownership Disclosure, Advertiser Disclosure and Methodology.

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This page is general information based on our editorial research. It is not legal advice and does not create an attorney-client relationship. Laws change and their application depends on your facts. We always recommend consulting a qualified attorney licensed in your state before acting.

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We do not advise homeowners to stop making payments or breach contractual obligations. Missing payments can damage your credit and weaken your position. Results vary by individual situation, and no outcome described here is guaranteed.

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