Joselin Chiu

7260 SW 39 Terr Suite A, Miami FL 33155

Get to know me

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.

My experience

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

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

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.