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
High-net-worth buyers
Qualify on your assets — not your paycheck.
Jumbo and asset-depletion programs for high-net-worth buyers in Florida and Texas.
4.99· 215 reviews
Step 1 of 7
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
Assets become income
Lenders convert eligible assets into qualifying income.
Private-client service
Discreet, concierge-level guidance from start to close.
Jumbo lender access
We compare portfolio and private-bank-style lenders.
Who this is for
- Retirees and investors
- Business owners with irregular income
- Luxury and high-balance purchases
Documents you'll need
- Brokerage and retirement statements
- Bank statements
- Photo ID
- Purchase contract (if any)
Frequently asked questions
What is asset depletion?
A method where lenders treat a portion of your liquid assets as monthly income.
Which assets count?
Typically cash, stocks, bonds and retirement accounts, sometimes at a discount.
Do I need W-2 income?
Not necessarily. Asset-based programs can work without traditional income.
Is my information kept private?
Yes. We handle every file with full discretion.
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