Joselin I. Chiu
Mortgage Broker | NMLS #1178544
Joselin Chiu, luminary founder of Lumos Mortgage Group, brings over two decades of lending expertise, rooted in a psychology degree that fuels her commitment to exceptional service. Since 2004, she has redefined mortgage origination, priori...... Show More
Location & Business Hours
Business Hours
Wed
10 AM to 7 PM
Thu
10 AM to 6 PM
Fri
10 AM to 5 PM
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Reviews from Web
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 😊
We are super happy, thanks to Yoster and Joselin for this dream become true!
I could see God’s hand all the way using them, even making miracles!
God bless you family!
Reply from Owner
May 8th, 2026 02:22 PM
Thank you for trusting us to walk alongside your family during such a meaningful chapter. Moments like these are exactly why we do what we do.Watching this dream come to life for your family was an honor, and we are beyond grateful that we...
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Working with Lumos Mortgage Group was truly an exceptional experience. As a first-time homebuyer, I initially felt overwhelmed by the process, but their team made everything feel smooth, clear, and completely manageable from day one.They took...
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Reply from Owner
April 6th, 2026 07:31 PM
Zarina, Thank you so much for your kind words and, most importantly, for your trust. We know how overwhelming the homebuying process can feel, especially the first time, and it means everything that you allowed us to guide you through it. Knowing...
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Working with Lumos Mortgage Group was truly an exceptional experience. As a first-time homebuyer, I initially felt overwhelmed by the process, but their team made everything feel smooth, clear, and completely manageable from day one.They took...
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Reply from Joselin I. Chiu
April 6th, 2026 05:53 PM
Lazara, Thank you for such a thoughtful and meaningful review. This is exactly why we do what we do. Your trust, especially as a first-time homebuyer, truly means everything to us. Our goal is always to simplify what can feel overwhelming,...
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After more than 7 months of trying to close with another lender, I had honestly lost hope that I would ever get the home I fell in love with. Then I found Yoster and the team at Lumos, and everything changed.Yoster was honest, conservative,...
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Reply from Owner
March 5th, 2026 02:40 PM
Thank you so much for sharing this — your story truly means a lot to us. 🦉🏡We're really grateful that you trusted Yoster and our team at Lumos Mortgage Group to take another look at your situation and help find a path forward.From the beginning,...
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(Translated by Google) Thanks to Lumos Mortgage, I was able to close the purchase of my second investment property.Professionalism, trustworthiness, and an impeccable process from start to finish.A special thank you to Joselin and Yoster for...
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Reply from Owner
March 5th, 2026 06:10 PM
Marisol, muchas gracias por tus palabras y por confiar nuevamente en nuestro equipo. Para nosotros es un verdadero honor acompañarte en cada paso de tu camino de inversión.Gracias por tu lealtad, tu confianza y por permitirnos ser parte de...
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Joselin and her team helped my husband and me refinance our home loan, and the experience was night and day compared to our first time around. When we originally bought our place, we had to take out two separate mortgages just to qualify. Once...
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Reply from Owner
February 25th, 2026 02:44 PM
Thank you so much for sharing this. Reading your experience truly means a lot to all of us at Lumos Mortgage.What makes us even happier is knowing you felt informed and supported throughout the process, this is our entire mission: empowering...
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About
Joselin Chiu, luminary founder of Lumos Mortgage Group, brings over two decades of lending expertise, rooted in a psychology degree that fuels her commitment to exceptional service. Since 2004, she has redefined mortgage origination, prioritizing client relationships and empowerment above all else.
Joselin's approach blends financial savvy with psychological insight, ensuring each client receives personalized, empowering guidance. Under her leadership, Lumos Mortgage Group has become synonymous with integrity and excellence, setting new standards in the industry.
Beyond her professional achievements, Joselin is known for her integrity and community involvement, making her not just a leader in lending but a beacon of positive change.
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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Search Rank ScoreLearn More →
306
/850
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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.