Mosaic Bankruptcy Update: Solar Servicing LLC Now Handles Your Loan — What California Homeowners Need to Know

Mosaic Bankruptcy Update: Solar Servicing LLC Now Handles Your Loan — What California Homeowners Need to Know

Quick answer: Mosaic no longer issues new solar loans. Following its 2025 Chapter 11 bankruptcy restructuring, its entire existing loan portfolio is now managed by Solar Servicing LLC, a subsidiary of Forbright Bank. Your original interest rate, payment amount, and schedule remain unchanged — but payments and account questions now go to Solar Servicing LLC, not the old Mosaic portal.



What Happened to Mosaic?

Solar Mosaic, one of the largest residential solar lenders in the country, voluntarily filed for Chapter 11 bankruptcy protection in June 2025 in the U.S. Bankruptcy Court for the Southern District of Texas, citing high interest rates and legislative changes threatening residential solar tax credits. Mosaic has since stopped originating any new solar loans entirely. Rather than shutting down its existing loan book, the company pursued a court-supervised restructuring supported by its lender, Forbright Bank, aimed at keeping the servicing platform running throughout the process.

Current Loan Status

• No new loans. Mosaic stopped creating new solar loans after filing for Chapter 11 and has not resumed originating loans since.
• New management. Forbright Bank acquired Mosaic's loan servicing operations through its wholly owned subsidiary, Solar Servicing LLC, following the completion of Mosaic's court-approved reorganization plan.
• Unchanged terms. Your original interest rate, payment amount, and payment schedule remain the same under the new servicer — the transition changes who administers your loan, not what you owe or when it's due.

Making Payments

• Keep paying. Continue making your regular monthly payments on schedule. The underlying loan obligation didn't disappear in the bankruptcy.
• Where to send them. Direct your payments and any account questions to Solar Servicing LLC directly rather than the old Mosaic customer portal, which may no longer reflect current account information.

Does This Change Your Legal Rights as a California Homeowner?

No. A servicing transfer doesn't erase or reset any legal claims tied to your original loan agreement. If your solar system was mis-sold, your installer failed to complete the work properly, or you're covered under the FTC Holder Rule because your installer arranged the financing, those protections travel with the loan regardless of which company now services it.

Resolving Issues With a Legacy Mosaic Loan

If you're disputing a contract term, requesting a cancellation, or trying to get a UCC-1 lien removed on an older Mosaic-originated loan, document everything in writing rather than relying on phone calls alone. The consistent practical advice from homeowners who've navigated this: send certified letters with return receipts for any formal dispute, cancellation request, or lien removal inquiry, and keep copies of every piece of project paperwork — your original contract, payment history, and any correspondence with either Mosaic or Solar Servicing. A phone call creates no record; a certified letter does, and it's the kind of documentation our contract review process is built around.

What If Your Solar Installer Went Out of Business Before Your System Was Finished?

This is a specific situation Solar Servicing has reportedly set up a dedicated process for — loans that were only partially funded at the time of Mosaic's bankruptcy filing, where the installer never completed the work. If you're in this exact situation, the FTC Holder Rule — which allows claims against the party financing the sale, not just the installer who defaulted — becomes directly relevant.

What Should You Do If You Have a Mosaic-Originated Loan?

Confirm your account status directly with Solar Servicing LLC rather than assuming anything based on old Mosaic correspondence. If you already had concerns about your loan's terms, your installer's performance, or undisclosed fees before this transition, those concerns are still valid — a change in servicer is an administrative event, not a resolution to any underlying dispute. Our complete guide to getting out of a solar contract in California covers the broader legal pathways available regardless of who currently services your loan.

FAQ

Is Mosaic still issuing new solar loans?
No. Mosaic stopped originating new solar loans after filing for Chapter 11 bankruptcy in June 2025 and has not resumed since.

Who manages my Mosaic loan now?
Solar Servicing LLC, a wholly owned subsidiary of Forbright Bank, acquired Mosaic's loan servicing operations following the completion of its court-approved bankruptcy reorganization.

Did my interest rate or payment amount change?
No. Your original interest rate, payment amount, and payment schedule remain the same under Solar Servicing LLC.

Where do I send my payments now?
Direct payments and account questions to Solar Servicing LLC rather than the old Mosaic customer portal.

How do I formally dispute or cancel a legacy Mosaic loan?
Send certified letters with return receipts for any dispute, cancellation request, or lien removal inquiry, and keep copies of your full project paperwork, contract, and payment history.

Does the Mosaic bankruptcy affect my legal rights under my original loan agreement?
No. Legal protections like the FTC Holder Rule and any claims related to misrepresentation or incomplete installation transfer with the loan and aren't erased by a change in servicer.

Have a Mosaic-originated solar loan and questions about your rights after the Solar Servicing transition?

Get a free, no-pressure review.

Call (213) 579-5156 or visit californiasolarexit.com.

Daniel Merritt is a Senior Solar Contract Analyst at California Solar Exit with over a decade of experience evaluating residential solar lease, PPA, and loan agreements under California consumer protection law.