Lumos Mortgage"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."
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Isabel Z.
Google · May 2026
Debt consolidation
Turn your home equity into one simpler monthly bill.
Cash-out refinance options in Florida and Texas to consolidate high-interest debt.
4.99· 215 reviews
Step 1 of 6
How it works
- 1
Answer a few questions
About 45 seconds. No credit check to start.
- 2
We shop lenders for you
As a licensed broker, we compare programs from multiple lenders.
- 3
Get your game plan
A Lumos advisor texts you with next steps and documents.
Why borrowers choose this
Simplify your bills
Combine multiple balances into your mortgage.
Compare cash-out vs. HELOC
We show both so you can choose with confidence.
Texas rules handled
Texas home-equity loans follow Section 50(a)(6) rules — we know them.
Who this is for
- Homeowners with equity in FL or TX
- Carrying credit card or personal loan balances
- Planning to stay in the home
Documents you'll need
- Current mortgage statement
- Recent pay stubs or income docs
- List of debts to pay off
- Homeowners insurance
Frequently asked questions
How much can I take out?
It depends on your home value, current balance and the program's loan-to-value limits.
What is Texas 50(a)(6)?
Texas constitutional rules for home-equity loans, including limits on total borrowing, a waiting period and closing requirements.
Will this lower my total cost?
Not always. Consolidating can extend repayment. We'll walk through the full picture.
Cash-out or HELOC?
It depends on your current rate and goals. We compare both.
Meet your broker
Joselin I. Chiu
Broker Owner · NMLS #2598846
Joselin I. Chiu has 20+ years in real estate financing. She founded Lumos Mortgage Group in Miami to give every borrower private-client guidance — in English or Spanish.
Get QualifiedVerified 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