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
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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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
May 6th, 2026 12:00 AM
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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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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This is now the 2nd time myself and my partners have used Lumos Mortgage and we've been very happy with the overall knowledge and expertise they've shown. The entire process has been attentive, kind, educating and efficient. We very much appreciate...
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Reply from Owner
January 13th, 2026 07:32 PM
Anthony, thank you so much for the continued trust. Working with you and your partner again truly means a lot to us. We’re grateful you felt supported, educated, and taken care of throughout the process—that’s exactly how we aim to show up...
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Excellent service! Thank you Joselin and Yoster. Great team work. I appreciate all the hard work and professionalism in helping my clients during the lending process. Highly recommended !!
Reply from Joselin I. Chiu
January 13th, 2026 07:33 PM
Isabel, thank you so much for the kind words and for the trust you place in us with your clients. It truly means a lot to Yoster and me to be part of your transactions and to support your clients with care, professionalism, and clear guidance...
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Joselin and her team ((Yoster, Cynthia) were very professional. They went above and beyond to stand by me when things seem stuck for some reason. I greatly appreciate their calm, patience and determination. Additionally, they are very knowledgeable...
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Reply from Joselin I. Chiu
January 13th, 2026 07:34 PM
Paul, thank you for taking the time to share this. It truly means a lot to me, Yoster, and Cynthia to know you felt supported, especially during the moments when things felt stuck &/or sticky. Staying calm, patient ( amidst low reception mountain...
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We had an absolutely amazing experience working with Lumos Mortgage and the entire team. From start to finish, communication was exceptional, and every step of the process was clearly explained. Their professionalism, knowledge, and genuine...
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Reply from Owner
January 13th, 2026 07:35 PM
Sasha, This review just made our day!!! Thank you so much for the love and for trusting Lumos Mortgage with such a huge milestone. From the very beginning, it was such a joy working with you, and we’re beyond happy to hear that the process...
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They are the best! Joselin is amazing. I would never recommend anyone else. Go to her! She will make it happen
Reply from Owner
November 20th, 2025 08:31 PM
Claudia, serving you over the last few years has been an absolute privilege. Your trust, loyalty, and belief in my work mean everything. Thank you for always coming back and for sending others our way. I’m honored to be your lender for every...
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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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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.