Commercial Division

Commercial real estate financing, structured to close.

A dedicated commercial team for business owners, investors, and CRE brokers across Florida and Texas. Multifamily, office, retail, industrial, mixed-use, SBA, bridge, and construction — one broker, every capital stack.

By Asset Type & Program

Every commercial program, one team

Commercial

Multifamily 5+ Units

Apartment buildings of 5 units or more financed via agency (Fannie/Freddie Small Balance), bank, and bridge programs across Florida and Texas.

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Commercial

Mixed-Use Property

Retail-on-bottom, residential-on-top mixed-use buildings financed with commercial portfolio and CMBS programs.

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Commercial

Office Property

Single-tenant and multi-tenant office buildings — medical, professional, and Class A/B financed in Florida and Texas.

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Commercial

Retail / Strip Center

Single-tenant retail (NNN) and multi-tenant strip centers financed with CMBS, bank, and life-co money.

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Commercial

Industrial / Warehouse

Warehouse, flex, and light-industrial property financing — one of the strongest CRE asset classes.

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Commercial

SBA 7(a) Loan

SBA 7(a) loans for small-business acquisition, working capital, equipment, and partial owner-occupied real estate.

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Commercial

SBA 504 Loan

SBA 504 long-term fixed-rate financing for owner-occupied commercial real estate and heavy equipment.

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Commercial

Commercial Bridge / Hard Money

Fast 12–36 month bridge financing for value-add commercial real estate, repositioning, and time-sensitive closings.

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Commercial

Commercial Construction

Ground-up commercial construction financing for multifamily, retail, office, and industrial across Florida and Texas.

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Commercial

Owner-Occupied Commercial Real Estate

Buy, refinance, or expand the building your business operates from — with SBA, bank, and conventional CRE financing.

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Commercial

Investor / DSCR Commercial

DSCR-based commercial financing for investors who want property-level qualifying without sharing tax returns.

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Commercial

Foreign National Commercial

International investors buying U.S. commercial property in Florida and Texas — closed in your LLC or offshore entity.

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For Commercial Agents & Business Owners

We move fast and we close.

CRE brokers and operators count on us for term sheets in 48 hours, real underwriting (not LPO-style guesses), and clean closings — all backed by relationships with bank, agency, life-co, CMBS, SBA, and private capital sources.

  • Multifamily 5+

    Agency Small Balance, bank, bridge to agency.

  • Retail & Mixed-Use

    Strip centers, NNN, retail-over-residential.

  • Industrial

    Warehouse, flex, light-industrial — incl. SBA 504.

  • SBA 7(a) & 504

    10% down, long fixed terms for owner-occupied CRE.

Get a quick game plan

We'll review your goals and call you back — typically within one business hour.

Sends to jchiu@lumosmtg.com via your email app. We never share your info.

Why clients trust us

Verified, licensed, bilingual.

Inside Lumos

Real moments, real people.

Behind every approval is a relationship. A peek into the work, the teaching, and the team that make Lumos feel like home.

Joselin I. Chiu — Broker Owner
Founder
Joselin I. Chiu — Broker Owner
Handing the keys to our first-time home buyers!
Closings
Handing the keys to our first-time home buyers!
Miami Board of Realtors PAC Advisory Board
Leadership
Miami Board of Realtors PAC Advisory Board
Closing day with our clients at Vogue Title
Closings
Closing day with our clients at Vogue Title
On-site with the Stratwell team
Community
On-site with the Stratwell team
Happy closing at Sunlife Title
Closings
Happy closing at Sunlife Title
Teaching realtors how to win the modern buyer
Education
Teaching realtors how to win the modern buyer
Just closed — celebrating at Capital Title Partners
Closings
Just closed — celebrating at Capital Title Partners
NAHREP South Florida — championing Hispanic homeownership
Community
NAHREP South Florida — championing Hispanic homeownership
Welcome home — closing at Sunlife Title
Closings
Welcome home — closing at Sunlife Title
Sunlife & Realty partners appreciation event
Community
Sunlife & Realty partners appreciation event
Behind every approval, a real person
Personal
Behind every approval, a real person
Strategy session with our agent partners
Team
Strategy session with our agent partners
“What does my lender do for me?” — client workshop
Education
“What does my lender do for me?” — client workshop
Homebuying seminar for the Miami Springs community
Community
Homebuying seminar for the Miami Springs community
Industry conference, Florida
Community
Industry conference, Florida
Off-camera moment between client calls
Personal
Off-camera moment between client calls
Joselin I. Chiu — Broker Owner
Founder
Joselin I. Chiu — Broker Owner
Handing the keys to our first-time home buyers!
Closings
Handing the keys to our first-time home buyers!
Miami Board of Realtors PAC Advisory Board
Leadership
Miami Board of Realtors PAC Advisory Board
Closing day with our clients at Vogue Title
Closings
Closing day with our clients at Vogue Title
On-site with the Stratwell team
Community
On-site with the Stratwell team
Happy closing at Sunlife Title
Closings
Happy closing at Sunlife Title
Teaching realtors how to win the modern buyer
Education
Teaching realtors how to win the modern buyer
Just closed — celebrating at Capital Title Partners
Closings
Just closed — celebrating at Capital Title Partners
NAHREP South Florida — championing Hispanic homeownership
Community
NAHREP South Florida — championing Hispanic homeownership
Welcome home — closing at Sunlife Title
Closings
Welcome home — closing at Sunlife Title
Sunlife & Realty partners appreciation event
Community
Sunlife & Realty partners appreciation event
Behind every approval, a real person
Personal
Behind every approval, a real person
Strategy session with our agent partners
Team
Strategy session with our agent partners
“What does my lender do for me?” — client workshop
Education
“What does my lender do for me?” — client workshop
Homebuying seminar for the Miami Springs community
Community
Homebuying seminar for the Miami Springs community
Industry conference, Florida
Community
Industry conference, Florida
Off-camera moment between client calls
Personal
Off-camera moment between client calls

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