"Thank you Lumos Mortgage Group for all your support during my buyer's financing process. It was a challenging one but we made it!! I will definitely recommend you to more clients."
I
Isabel Z.
Google · May 2026
— Lumos Mortgage Group
Real Estate Lending. Illuminated.
4.99 · 215 reviews · Google · Zillow · Experience.com
Smart mortgage strategy, engineered to close.
For the first-time buyer, the seasoned investor, and the international client choosing Florida or Texas. We shop dozens of lenders so you don't have to — quietly, precisely, and in English or Español.
Licensed in FL & TX
Fully bilingual EN · ES
24-hr pre-approval
Florida · Texas●English · Español●Boutique service, wholesale rates●NMLS #2598846
Where to start
Choose your path.
Three of our most-requested programs — but don't worry, we have more! Explore every loan we offer just below.
3% down optionsJust starting out
First-Time Buyers
Down payment guidance, credit coaching, and step-by-step support — explained without jargon.
Learn more
No tax returns neededBuilding a portfolio
Savvy Investors
DSCR, portfolio strategy, short-term rentals, 1031 timing — financing that scales with you.
Learn more
No U.S. credit requiredInvesting from abroad
Foreign Nationals
Acquire in Florida without U.S. credit. Bilingual team, internationally-friendly programs.
Learn more
The full menu
Every loan program, under one roof.
ConventionalFHAVAJumboDSCRBank StatementNo income documentationITINForeign NationalCash-Out RefiConstruction
As brokers — not a single bank — we shop dozens of wholesale lenders across Florida and Texas to match the right program to you.
Take the 60-second quizThe Lumos process
Four steps. Zero guesswork.
01
Introduction
A 15-minute discovery call. We listen first — your goals, your timing, your story.
02
Pre-approval
Upload a few documents. Receive a written approval within 24 hours.
03
Search with clarity
Shop with any realtor, knowing exactly what you can afford and what fits.
04
Quietly closed
We orchestrate every detail — appraisal, title, underwriting — so you simply receive the keys.
Tools
A private estimate, in seconds.
Move the sliders. No signup, no credit pull. For a precise quote, give us a call.
Quick estimate
What will it cost per month?
$550,000
20% · $110,000
6.75%
30 yrs
Estimated monthly
$3,558
PITI
- Loan amount
- $440,000
- Principal & interest
- $2,854
- Property taxes
- $504
- Insurance
- $200
Verified reviews
4.99 across 215 reviews.
Aggregated live from Experience.com — Google (79), Experience.com (87), Zillow (49). 100% 5-star.
"Excellent work and dedication! We are grateful!"
C
Cindy M.
Google · May 2026
"We are super happy — thanks to Yoster and Joselin for making this dream come true! I could see God's hand all the way through them. God bless you family!"
A
Andres L.
Google · May 2026
"Working with Lumos Mortgage Group was truly an exceptional experience. As a first-time homebuyer, I initially felt overwhelmed — they made everything feel smooth, clear, and completely manageable from day one."
Z
Zarina M.
Google · April 2026
"After more than 7 months of trying to close with another lender, I had honestly lost hope. Then I found Yoster and the team at Lumos, and everything changed. Honest, conservative, and got the job done."
A
Angelie
Google · March 2026
"Thanks to Lumos Mortgage, I closed the purchase of my second investment property. Professionalism, trustworthiness, and an impeccable process from start to finish."
M
Marisol F.
Google · March 2026
Ready when you are
Let's find the loan that fits your life.
Complimentary pre-approval. No obligation, no pressure — just clear answers.
