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."
I
Isabel Z.
Google · May 2026
First-time home buyers
Buy your first home with down payment help.
We match first-time buyers with low down payment options and Florida and Texas assistance programs.
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
Assistance programs
Florida Hometown Heroes, Homes for Texas Heroes, Home Sweet Texas and more.
Low down payment options
FHA, HomeReady and Home Possible, compared side by side.
Step-by-step guidance
From pre-approval to keys, explained in plain language.
Who this is for
- Haven't owned a home in the last 3 years
- Steady income
- Buying a primary home in FL or TX
Documents you'll need
- Recent pay stubs
- 2 years of W-2s
- 2 months of bank statements
- Photo ID
Frequently asked questions
Who counts as a first-time buyer?
Usually anyone who hasn't owned a home in the last 3 years.
How much assistance can I get?
It depends on the program, county and income. Florida Hometown Heroes offers up to $35,000.
Do I have to be a teacher or nurse?
No. Some programs favor hero occupations, but many are open to anyone.
Is there an income limit?
Most programs have county-based limits. We verify current limits before you apply.
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