Solar Servicing LLC: What Former Mosaic Borrowers Need to Know

As of November 10, 2026. General information, not legal advice. SGI is not a law firm. Your loan agreement and your state's law control. Talk to a licensed attorney before you stop payments or dispute a debt.

If you financed solar through Mosaic, your loan is probably now serviced by Solar Servicing LLC. Here's who they are, what they will and won't do, and how to handle a payoff or home sale.

The short answer

• Solar Servicing LLC is a wholly owned subsidiary of Forbright Bank. On September 22, 2025, it completed its purchase of Solar Mosaic's loan servicing operations ^[1][2].
• Your terms didn't change. Solar Servicing says "there are no changes to payment terms or schedules for borrowers" ^[2].
• No loan transfers. Solar Servicing's FAQ says "At this time, we do not offer loan transfers." For a home sale, it suggests paying off the loan ^[3].
• Payoffs are allowed at any time, with no prepayment penalty ^[3].
• Complaints:
• BBB gives Solar Servicing LLC an F rating (118 complaints in 3 years, 111 in 12 months, as of November 10, 2026) ^[5].
• The CFPB database shows 274 complaints in the last 12 full months (Nov 2025–Oct 2026) under "SOLAR SERVICING HOLDINGS LLC" ^[6].

Who is Solar Servicing, and how did Mosaic loans move there?

1. Mosaic filed for bankruptcy. On June 6, 2025, Mosaic Sustainable Finance Corporation and four affiliates filed Chapter 11 in the U.S. Bankruptcy Court for the Southern District of Texas (jointly administered, Case No. 25-90156) ^[4].
2. The plan was confirmed. The court confirmed Mosaic's plan on September 5, 2025, and the plan took effect on September 22, 2025 ^[4].
3. Servicing moved to Solar Servicing. Also on September 22, 2025, Solar Servicing, "a wholly owned subsidiary of Forbright Bank," announced it had acquired Mosaic's loan servicing operations. It said it would keep servicing "as usual" and send collections to loan owners ^[1].
4. Mosaic stopped lending. Solar Servicing says Mosaic no longer makes new loans and that Solar Servicing "is only a loan servicing company" ^[2].
5. Some loans went to a different servicer. Solar Servicing says some Mosaic loans had been sold to investors who picked another servicer. If you were told Solar Servicing isn't your servicer, use the contact details in your Servicing Transition letter ^[2].
6. Older claims go through the bankruptcy court. Solar Servicing says amounts owed or obligations existing before June 6, 2025 "will be addressed through the court process." Mosaic's claims agent is Kroll: (833) 953-7040 ^[2][4].

BBB lists Solar Servicing's business start date as August 1, 2025 and shows Forbright Bank as a related business ^[5].

How to contact Solar Servicing

From Solar Servicing's contact page ^[7]:

The site footer lists NMLS ID 2744383 ^[3].

The "no loan transfers" policy

Solar Servicing's homeowner FAQ answers "Is my loan transferable?" this way: "At this time, we do not offer loan transfers." To facilitate a home sale with an active Solar Servicing loan, it suggests a loan payoff ^[3]. The same FAQ says "At this time, we do not offer refinancing" ^[3].

So unlike some other solar lenders, Solar Servicing doesn't offer a buyer the option to assume the loan. Plan to pay it off at or before closing.

How to get a payoff amount or payoff letter

• Online: log in to the Borrower Loan Servicing Portal to see your balance and payoff amount ^[3].
• Payoff demand letter, or a payoff for a specific date: email loanservicing@solarservicingllc.com. Solar Servicing provides payoff figures for dates up to 10 calendar days in the future ^[3].
• Interest and penalties: "You can pay off your loan at any time and you'll only pay for the interest that has already accrued. There are no prepayment penalties" ^[3].
• Autopay affects your rate. Solar Servicing says enrolling in automatic payments (ACH) lowers your interest rate. If you cancel ACH, your rate and payment will go up ^[3]. Keep this in mind if you change bank accounts during a sale.

Selling a home with a Solar Servicing loan

1. Start early. Solar Servicing says that if you're in a home sale and haven't started the payoff process, you should email Borrower Support to avoid delays ^[3]. You can also call (866) 493-6367, Option 3 ^[7].
2. Give your title company a dated payoff letter. Match the payoff date to your expected closing date, within the 10-day window ^[3].
3. Understand the lien. Solar Servicing says its UCC-1 state and county filings document a security interest in the solar equipment only: "The UCC-1 is not a lien on the real property" ^[3]. Title companies and buyers' lenders may still want the filing addressed before closing. Fannie Mae's Selling Guide requires lenders to determine how the panels are financed and to review title for related debt ^[8].
4. Get the release after payoff. For consumer goods, model UCC § 9-513 requires the secured party to file a termination within one month after the debt is paid, or within 20 days of an authenticated demand, whichever comes first. State versions vary ^[9]. Ask Solar Servicing for written confirmation that the state and county filings were terminated.

See also: Selling a house with a solar lien.

Complaints

BBB (checked November 10, 2026). Solar Servicing LLC (Chevy Chase, MD profile) ^[5]: - Rating F - Not BBB Accredited - 118 complaints in the last 3 years and 111 in the last 12 months - BBB's reasons for the rating include "5 complaint(s) filed against business that were not resolved" and "118 complaint(s) filed against business"

BBB says displayed complaints might not represent all complaints filed with BBB.

The older Solar Mosaic LLC BBB profile (Oakland, CA) showed 445 complaints in 3 years and 34 in the last 12 months on the same date ^[10].

CFPB Consumer Complaint Database (exact company names, Nov 2025–Oct 2026) ^[6]:

• Solar Servicing's top states: TX (57), FL (48), CA (38).
• Solar Servicing's top issues: "Problem with additional add-on products or services" (43), "Problem when making payments" (41), "Getting the loan" (34) ^[6].

The CFPB notes that its database is not a statistical sample and that complaints don't represent all consumers' experiences ^[11]. These counts only include complaints filed under these exact company names.

Regulator actions involving Mosaic loans

These are allegations in pending or recent cases, not findings against any borrower's loan.

• Minnesota (2024): the Minnesota Attorney General sued Solar Mosaic, GoodLeap, Sunlight Financial and Dividend Solar Finance. The suit alleges $35 million in hidden fees on more than 5,000 Minnesota solar purchases ^[12].
• New York (March 17, 2026): the New York Attorney General sued Attyx (formerly SUNco) and its lending partners, Solar Mosaic and WebBank. It alleges the lenders hid fees in system prices, and it seeks restitution and an order voiding the agreements ^[13].
• Bankruptcy court: Mosaic's Kroll case site lists adversary proceedings filed by individuals against Mosaic entities, including Canty v. Solar Mosaic, LLC (Adv. Proc. 26-03093) ^[4].

Your options

1. Keep paying while you sort things out. Solar Servicing says to keep making payments on time to avoid penalties under your loan agreement ^[2].
2. Pay off the loan, for example from sale proceeds or savings. There's no prepayment penalty ^[3].
3. Dispute errors in writing. Ask for your payment history and an amortization schedule; Solar Servicing says it will send the schedule on request by email ^[3]. For credit report errors, the CFPB says to contact both the credit reporting company and the company that supplied the information ^[14].
4. File a complaint with the CFPB at consumerfinance.gov/complaint ^[15] or with your state consumer protection office ^[16].
5. If the system was never finished or never worked, your loan may include the FTC Holder Rule notice, which can let you raise claims against the seller with the loan holder, up to amounts paid ^[17]. Partially funded projects are handled by Mosaic's pipeline team (support@joinmosaic.com) ^[2]. Ask an attorney about your situation.

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FAQ

Is Solar Servicing the same as Mosaic? No. Solar Servicing LLC is a Forbright Bank subsidiary that bought Mosaic's loan servicing operations on September 22, 2025 ^[1].

Do I still have to pay? Yes. Solar Servicing says borrowers must keep paying under the same terms and schedule as their loan agreement ^[2].

Can my buyer take over my Solar Servicing loan? No. Solar Servicing says it doesn't currently offer loan transfers and suggests a payoff for home sales ^[3].

Can I refinance my Solar Servicing loan with them? Not currently. Solar Servicing says it doesn't offer refinancing ^[3].

How do I get a payoff letter? Email loanservicing@solarservicingllc.com. You can request payoff figures for a date up to 10 calendar days out ^[3].

Is there a prepayment penalty? No. Solar Servicing says there are no prepayment penalties ^[3].

Is the Solar Servicing UCC-1 a lien on my house? Solar Servicing says no: its filings cover the solar equipment only ^[3].

What's Solar Servicing's BBB rating? F, as of November 10, 2026 ^[5].

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Not legal advice. SGI is not a law firm. Figures and statuses are as of November 10, 2026 and can change. Consult a licensed attorney about your situation.

Sources

1. Forbright Bank, "Solar Mosaic's Loan Servicing Operations Transition to Solar Servicing" (Sept. 22, 2025): https://www.forbrightbank.com/stories/newsroom/solar-mosaics-loan-servicing-operations-transition-to-solar-servicing/
2. Solar Servicing LLC, Important Stakeholder Information / Company Update FAQs: https://solarservicingllc.com/corp-info-faqs/
3. Solar Servicing LLC, Homeowner FAQs: https://solarservicingllc.com/homeowner-faqs/
4. Kroll Restructuring Administration, Mosaic Sustainable Finance Corporation case site (case background, plan dates, adversary proceedings): https://cases.ra.kroll.com/MOSAIC/
5. BBB, Solar Servicing LLC business profile (viewed Nov. 10, 2026): https://www.bbb.org/us/md/chevy-chase/profile/loan-servicing/solar-servicing-llc-0241-236101575
6. CFPB Consumer Complaint Database API (queried Nov. 10, 2026; SGI complaint tracker): https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=SOLAR%20SERVICING%20HOLDINGS%20LLC
7. Solar Servicing LLC, Contact Us: https://solarservicingllc.com/contact-us/
8. Fannie Mae Selling Guide B2-3-04: https://selling-guide.fanniemae.com/sel/b2-3-04/special-property-eligibility-considerations
9. UCC § 9-513, Cornell LII: https://www.law.cornell.edu/ucc/9/9-513
10. BBB, Solar Mosaic LLC complaints (viewed Nov. 10, 2026): https://www.bbb.org/us/ca/oakland/profile/financial-services/solar-mosaic-llc-1116-444414/complaints
11. CFPB, Consumer Complaint Database (about the data): https://www.consumerfinance.gov/data-research/consumer-complaints/
12. Minnesota Attorney General press release (Mar. 8, 2024): https://www.ag.state.mn.us/Office/Communications/2024/03/08_SolarLending.asp
13. New York Attorney General, "Attorney General James Sues Home Solar Power Company and Lenders for Cheating New Yorkers Out of Hundreds of Millions of Dollars" (Mar. 17, 2026): https://ag.ny.gov/press-release/2026/attorney-general-james-sues-home-solar-power-company-and-lenders-cheating-new
14. CFPB, "How do I dispute an error on my credit report?": https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
15. CFPB, Submit a complaint: https://www.consumerfinance.gov/complaint/
16. USAGov, State consumer protection offices: https://www.usa.gov/state-consumer
17. FTC Holder Rule, 16 C.F.R. § 433.2, Cornell LII: https://www.law.cornell.edu/cfr/text/16/433.2