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
Foreign national buyers
Buy Florida or Texas property from abroad — no U.S. credit required.
We match international buyers with lenders that use foreign income, assets and references.
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
No U.S. credit or SSN
Lenders can use international credit references instead.
Close remotely
Most of the process happens by phone, WhatsApp and e-sign.
Miami-based, bilingual
A local team that knows condos, LLCs and international buyers.
Who this is for
- Non-U.S. residents
- Second-home or investment buyers
- Buyers who want to close in their name or an LLC
Documents you'll need
- Valid passport (and visa if applicable)
- Proof of income or letter from your accountant
- Bank statements
- International credit reference letters
Frequently asked questions
Do I need to live in the U.S.?
No. Foreign national programs are designed for buyers living abroad.
Can I buy in an LLC?
Often yes, especially for investment properties. We'll confirm with each lender.
How is my income verified?
Lenders typically use statements and an accountant letter from your home country.
Can I close without traveling?
In many cases, yes, using remote or consulate notarization.
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