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
Self-employed & business owners
Self-employed? Qualify on your bank deposits — not your tax returns.
We shop lenders that use 12 or 24 months of statements, so your write-offs don't cost you the house.
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
No tax returns needed
Lenders review your deposits, so deductions don't shrink your income on paper.
Personal or business accounts
Programs exist for either — we match you to the right one.
Many lenders, one call
As a broker we compare multiple non-QM lenders for you.
Who this is for
- Business owners and LLC members
- Self-employed for 1–2+ years
- Buying or refinancing in Florida or Texas
Documents you'll need
- 12 or 24 months of bank statements
- Business license or CPA letter
- Photo ID
- Asset statements for reserves
Frequently asked questions
Do I need to show tax returns?
Usually not. Bank statement programs calculate income from your deposits instead.
Personal or business statements?
Either can work. Lenders typically apply an expense factor to business deposits.
Is the down payment higher?
Most programs ask for a larger down payment and some reserves than a standard loan. We'll show you real options.
Will this hurt my credit?
Starting the conversation doesn't. A credit check only happens with your permission.
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