I don't offer Mosaic because there was a 29% dealer fee. The only reason you would use Mosaic is if you have a poor credit score. That is literally the only time Mosaic makes sense. Companies have adopted Mosaic, and their horrible customer service, because they make it super easy to sign up at a steep cost.

To be clear, when I say a 29% dealer fee, I mean they charge the installer 29% of the cost of the array. So, an installer selling a $40K array will have to pay a $11,600 fee to Mosaic!