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
Miami condos
Condo declined? We finance the buildings conventional lenders won't.
Non-warrantable condo options for Miami and Florida — and we know SIRS and milestone inspections.
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
SIRS & milestone know-how
We understand Florida's post-Surfside condo rules and what lenders look for.
Non-warrantable lenders
Options for condo-hotels, rentals, litigation and assessments.
Fast building review
We check the condo questionnaire early to avoid surprises.
Who this is for
- Buyers of Miami and Florida condos
- Buildings with assessments, litigation or rentals
- Primary, second home or investment
Documents you'll need
- Purchase contract
- Condo questionnaire (we help request it)
- Income or bank statements
- Photo ID
Frequently asked questions
What is a non-warrantable condo?
A condo that doesn't meet Fannie Mae or Freddie Mac guidelines, so conventional loans aren't available.
What are SIRS and milestone inspections?
Florida laws requiring structural reviews and reserve studies for many condo buildings.
Can I still buy if there's a special assessment?
Often yes with the right lender. We review it upfront.
Is the down payment higher?
Non-warrantable programs usually ask for more down. We'll explain your options.
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