Joselin Irma Chiu

17687 NW 78 Ave, MIAMI FL 33015

Get to know Joselin

Founder & Principal Broker of Lumos Mortgage Group, I bring 21+ years of mortgage expertise & a strategy-first approach to every client. Bilingual & licensed in FL & TX, I specialize in first-time buyers, business owners, and investors needing creative solutions. Goldman Sachs 10KSB alumna. Education-driven, high-touch, & relationship-focused — I structure loans to build long-term wealth, not just close transactions.

Why choose Joselin?

Licensed in:

Florida

Texas

Loan Products:

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Jumbo Loans

Non-Conforming Loans

Years of experience:

Languages spoken:

English

Spanish

Brokerage info

Questions? Joselin has answers.

We prompted questions to Joselin so you can learn more about their skills, preferences, and availability.

What should clients expect when working with you from start to finish?

Expect a clear, strategy-first process: detailed pre-approval, proactive updates, smooth closing, & ongoing mortgage reviews. I focus on relationship, transparency, education, and long-term wealth.

How do you feel about clients starting the conversation before they’re ready to purchase?

I encourage early conversations! Planning ahead strengthens credit, structures qualification, builds reserves, & removes surprises—so when you’re ready, you’re positioned to win.

What partnerships or recommendations can you offer for real estate or home services?

I connect clients with trusted local Realtors, title companies, inspectors, insurance agents, & home service pros. Referrals are relationship-based only.