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
Excellent service! Professionals and knowledgeable in this field. Highly recommended !!
Thank you Javier and Marly
Reply from Owner
October 21st, 2025 07:11 PM
🌟 Thank you so much for your kind words! It was truly an honor to walk this journey with you through the Hometown Heroes program. Your determination and faith in the vision we had from the start made all the difference — and now you’re home!...
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Great team, delivered everything that was promised. Everything was on time, very professional, easy to reach and always had a quick response to all questions. Helped make my clients dream a reality. Would 100% recommend and use again
Reply from Joselin I. Chiu
October 1st, 2025 11:23 PM
Thank you Judy for trusting us with your client! Truly honored to have helped make their dream a reality and we value your partnership. Here’s to many more smooth closings and dreams made reality together! ✨
The best loan team hands down. They go above and beyond for my clients all the time. I have done many loans and Yoster always delivers. When they say one works magic, that’s Yoster. Thank you so much for saving my clients deal and allowing...
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Reply from Owner
September 20th, 2025 08:32 PM
This was one of those challenging ones... but WE GOT IT DONE! Thank you so much for this amazing review and for trusting us time and time again with your clients. We are truly grateful for your partnership and the confidence you place in Lumos...
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I've had the pleasure of working with Joselin on several transactions, and I can confidently say she is one of the most responsive and reliable lenders I've worked with. As a Transaction Coordinator, communication and timeliness are key—and...
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Reply from Joselin I. Chiu
August 6th, 2025 06:46 PM
Tatiana, Thank you so much for this incredibly kind feedback! 💛 It truly means the world coming from a Transaction Coordinator who works with so many lenders behind the scenes. Your role is such a crucial part of keeping everything moving,...
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I had an amazing experience, they went above and beyond on my process I felt very secure since the beginning and I am very happy with my loan now! So totally recommend it a+++++
Reply from Owner
August 4th, 2025 09:12 PM
Diego, Thank you so much for your kind words and for trusting Lumos Mortgage with your refinance! 🌟 We know how important this investment was for you, and it means the world that we could step in where others could not and get it done smoothly....
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I had a great experience working on a recent mortgage transaction as the buyer’s agent. The process was smooth, communication was clear and timely, and we even closed before our expected closing date. It was a pleasure collaborating with such...
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Reply from Owner
July 31st, 2025 05:22 PM
Silvia, Thank you for your awesome Feedback! This truly helps our business shine and I am so honored to have delivered above expectations. You were such a pleasure to work with. Hope to help more families come home together! Count on us moving...
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Today marks a truly special moment: I am officially a homeowner. Closing on this home is more than just a transaction; it's the beginning of a new chapter filled with growth, memories, and endless possibilities. I am incredibly grateful for...
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Reply from Owner
June 2nd, 2025 01:10 PM
Thank you from the bottom of our hearts for letting us be part of this incredibly special moment. It means the world to us to have played a small role in such a big milestone in your life.Cheers to new beginnings and a future full of joy. Welcome...
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I had an outstanding experience with Lumos Mortgage! From start to finish, their team was professional, responsive, and incredibly knowledgeable. They made the entire mortgage process smooth and stress-free, explaining everything clearly and...
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Reply from Joselin I. Chiu
October 21st, 2025 03:09 PM
Thank you so much for trusting us with your clients and allowing our Lumos fam to be part of this! 🙏🏽 It was truly an honor to support you and your buyers with transparency, care, and dedication every step of the way. We’re grateful for the...
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Such a pleasure to work with Joselin and her team, Yoster thank you for your dedication during the entire process, step by step. You guys rock!
Reply from Owner
April 10th, 2025 05:20 PM
WE are so thrilled to serve you Leni! Thank you for so many years of your unwavering trust. We pray that you family enjoys your new home.
Joselin and her team went above and beyond the help my family and I twice. We have done refinancing and a new home purchase and both times our experiences were great. We highly recommend Joselin and Lumos mortgage as they have always looked...
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Reply from Owner
March 27th, 2025 09:27 PM
Thank you so much for your trust—we loved helping your family twice! It means everything to us that you felt taken care of. Wishing you all the best in your new home, and we’re always here if you need us!
- Joselin & the Lumos Team
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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.