The Home Solar Loan

We’ve designed our financing to be great for homeowners, with an easy sales process for contractors. We’ve worked hard to take the friction out of what can be a complex process, and to support our partners every step of the way.


The Mosaic Software Platform

Our platform is simple, just like the financing we offer, and provides contractors a straightforward, convenient, and user-friendly experience.

Plus, the platform isn’t just helpful for contractors. We also offer an easy-to-use portal for homeowners where they can make payments, check loan balances, and find answers to common questions.

  • Works on mobile devices in the field

  • Fully digital loan application workflow

  • Online signing of documents

  • Intuitive user experience

  • Clean and professional user interface

  • Automated instant credit check

Helping Your Customers Save Money

Solar financing through Mosaic is structured so the monthly payment is lower than their existing electricity bill. The average Mosaic customer saves $30,550* over the life of their solar energy system, sometimes starting right from the time the system is energized. And when the homeowner owns their system, they claim all the savings, from the federal tax credit to any state or local incentives. They could also see an increase in the resale value of their home, which, for some, can be as much as $20,000 according to Lawrence Berkeley National Laboratory.


Helping Homeowners Reduce Their Impact

Clean energy offers people more than just the ability to control their energy costs and save money. It also helps the planet. A person who gets a home solar energy system today would offset 121,676 pounds of carbon (CO2) over the next 25 years.

That’s the equivalent of:

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TAKING A CAR OFF THE ROAD FOR 130,682 MILES

Aspen

PLANTING 393 TREES

SAVING 7,994,000 GALLONS OF WATER USED IN COAL-FIRED ENERGY PRODUCTION


*Savings are based on savings of Mosaic borrowers from 11/3/2014 - 9/30/16 using our 20-year choice rate loan product. Savings depend on credit profile, timely monthly payments and making the prepayment target. Savings are calculated by (Electricity bill before solar) - (Bill after solar + Mosaic loan payment). Savings may vary above or below the average rate based on geography and weather variability particular to your jurisdiction. We assume a solar panel life span of 30 years, a decline in panel production of 0.5% per year, inverter replacements at years 10 and 20, and retail electricity rates increasing 2.18% per year. (National average utility bill increase of 2.18% based on EIA data for the last reported 20 years, nationally (1997-2017.)