Joselin I. Chiu
Mortgage Broker | NMLS #1178544
We've got you, and we've got a plan. First home, self-employed, or turned down by your bank? Lumos Mortgage Group is a licensed mortgage broker (NMLS #2598846) serving Florida and Texas, led by Broker Owner Joselin Chiu with 22+ years in re... Show More
Location & Business Hours
Business Hours
Tues
10 AM to 7 PM
Wed
10 AM to 7 PM
Thu
10 AM to 7 PM
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Reviews from Web
Joselin I. Chiu has received a review with 5 star rating from Zenon H
I started to look for a home at the beginning of August and by September 25, 2026 I had already closed on my home. I had no idea what I was doing when I began the process of purchasing a home, but thanks to Joselin Chiu and everyone at Lumos...
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Reply from Owner
October 1st, 2026 06:42 PM
Laura, this means more to us than you know. 🤍 Thank you for trusting us with such an important first in your life!From our very first conversation, our goal was to make sure you never felt like you had to navigate this process alone. We wanted...
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Exceptional Experience with Lumos Mortgage GroupWe had an incredible experience working with Yoster and Joselin at Lumos Mortgage Group during our recent home purchase in South Florida. From the very beginning, they made us feel like we were...
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Reply from Owner
August 21st, 2026 03:53 PM
Andrew, Thank you so much for taking the time to share such thorough feedback. It truly means more to us than you know. We love that our passion to guide and put people first , above profit was something you felt and experienced. This is our...
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Lumos Mortgage Group is amazing. Thanks to them I was able to close out on my new home in 2 weeks! My only complaint is that I wish they were better at communicating, but besides that, they're top notch!
Reply from Owner
August 10th, 2026 10:57 PM
Esteban, Thank you so much for trusting Lumos Mortgage Group with your home purchase! We’re thrilled that we were able to help you close on your new home in just two weeks.We also truly appreciate your honest feedback regarding communication....
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⭐⭐⭐⭐⭐I had an amazing experience with Lumos during my home purchase. Jocelyn and Yoster were absolutely wonderful throughout the entire process. They were professional, knowledgeable, responsive, and always took the time to answer my questions...
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Reply from Owner
July 21st, 2026 12:38 AM
Gabriella, Thank you so much for such a beautiful review! It truly meant so much to Yoster and me to be part of your homebuying journey. We know how meaningful—and sometimes stressful—this milestone can be, so knowing you felt supported, informed,...
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It has been an absolute pleasure working with Lumos throughout our transaction. They did an excellent job getting my buyers preapproved and were consistently available whenever needed. Their communication, professionalism, and willingness to...
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Reply from Owner
July 14th, 2026 12:59 PM
Thank you so much for your thoughtful review! 💛 It was a pleasure partnering with you on this transaction.At Lumos Mortgage Group, we believe the best client experiences happen when Realtors and lenders work as one team. Thank you for your...
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We had an outstanding experience working with Lumos Mortgage Group. From start to finish, they were knowledgeable, responsive, and incredibly supportive throughout the entire home-buying process. They took the time to explain every step, answered...
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Reply from Owner
June 22nd, 2026 07:35 PM
Thank you so much for your kind words! 💛 It was truly an honor for our team to be part of your homeownership journey.Buying a home is one of life's biggest milestones, & we're grateful that you trusted us to help guide you through the process....
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Thank youth Lumos Mortgage Group for all your support during my buyers financing process. It was a challenging one but we made it!! Thank you for being part of my team for a successful closing!! I will definitely recommend you to more clients...
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Reply from Owner
May 15th, 2026 05:29 PM
Thank you so much! ✨ It was truly such a pleasure partnering with you to bring this file all the way home. Even the most challenging transactions feel lighter when you have a dedicated and wonderful professional by your side.We are beyond grateful...
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Thank you Joselin & Yoster for all your support during my buyers financing process. It was a challenging one but we made it!! Thank you for being part of my team for a successful closing!!
Excellent work and dedication! We are Grateful!
Reply from Owner
May 15th, 2026 04:42 PM
We are more grateful for your trust and kind words Cindy! ✨ At Lumos Mortgage Group, serving our clients with dedication and care is always our priority. We truly appreciate your trust and support throughout this process 😊
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About
We've got you, and we've got a plan. First home, self-employed, or turned down by your bank? Lumos Mortgage Group is a licensed mortgage broker (NMLS #2598846) serving Florida and Texas, led by Broker Owner Joselin Chiu with 22+ years in real estate financing. We take care of you like family, shop dozens of wholesale lenders for the right fit, and walk with you every step: first-time buyers and down payment assistance, self-employed borrowers and business owners (bank statement loans), real estate investors (DSCR), foreign nationals and ITIN borrowers, plus cash-out refinance and HELOC options. As a broker, not a lender, we work for you. Hablamos español. Call or WhatsApp us for a free consultation.
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Construction Loan
Home Equity Loan
Down Payment Assistance
Mortgage Refinance
Mortgage Rate Shopping Assistance
Specialities
FHA Loans
Conventional Loans
VA Loans
Commercial Loans
Investor Cash Flow Loans
JUMBO Loans
Foreign National Loans
Alternative Income Loans ( No Tax returns )
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Positions
- Lumos Mortgage Group NMLS 2598846 - Mortgage Broker Aug 8th, 2023 - Current
- Highlands Residential Mortgage - SR. MLO Feb 26th, 2018 - Aug 1st, 2023
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2004
Time Zone
Eastern Standard Time (EST)
Licenses
- FL Mortgage Origination #1178544
Disclaimer
https://lumosmtg.com/disclaimers
To view our NMLS Filings, CLICK HERE
All loans are subject to credit approval by the lender underwriter.
Other restrictions apply. Mortgage Broker Only: We are not a mortgage lender, mortgage correspondent lender, or Mortgage Bank. Lumos Mortgage Group | NMLS# 2598846 | All Rights Reserved | 7260 SW 39 Terrace, Suite B, Miami, FL 33155 |
Equal Housing Opportunity.