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
Veterans & active duty
You earned your VA benefit. Let's put it to work.
We help veterans and service members compare VA lenders 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
For eligible veterans
We compare VA lenders and help review program eligibility.
No monthly mortgage insurance
VA loans don't carry monthly PMI.
Reusable benefit
You may be able to use your VA benefit more than once.
Who this is for
- Veterans with eligible service
- Active duty, Guard and Reserves
- Eligible surviving spouses
Documents you'll need
- Certificate of Eligibility (we can help get it)
- DD-214 or statement of service
- Pay stubs or LES
- Photo ID
Frequently asked questions
Am I eligible?
Eligibility depends on service history. We can help request your Certificate of Eligibility.
Can I use VA more than once?
Often yes, depending on remaining entitlement.
Is there a funding fee?
Most VA loans have a funding fee; some veterans with a disability rating are exempt.
Can I buy a condo with VA?
Yes, if the condo project is VA-approved. We'll check for you.
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