Local loan guides

Mortgage programs, matched to the local market.

Compare program requirements with the property costs and housing details that matter in selected Florida and Texas cities. Lumos is a mortgage broker, not a lender.

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Florida

Hialeah · FL

ITIN Loans in Hialeah, FL

ITIN Loans in Hialeah, FL, with guidance on West Hialeah, local property costs and required documents. Broker NMLS #2598846.

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Homestead · FL

ITIN Loans in Homestead, FL

ITIN Loans in Homestead, FL, with guidance on Oasis, local property costs and required documents. Broker NMLS #2598846.

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Miami · FL

Foreign National Mortgage in Miami, FL

Foreign National Mortgage in Miami, FL, with guidance on Brickell, local property costs and required documents. Broker NMLS #2598846.

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Aventura · FL

Foreign National Mortgage in Aventura, FL

Foreign National Mortgage in Aventura, FL, with guidance on Aventura Lakes, local property costs and required documents. Broker NMLS #2598846.

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Doral · FL

Bank Statement Loans in Doral, FL

Bank Statement Loans in Doral, FL, with guidance on Downtown Doral, local property costs and required documents. Broker NMLS #2598846.

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Hialeah · FL

Bank Statement Loans in Hialeah, FL

Bank Statement Loans in Hialeah, FL, with guidance on West Hialeah, local property costs and required documents. Broker NMLS #2598846.

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Brickell · FL

Condo Loans in Brickell, FL

Condo Loans in Brickell, FL, with guidance on Brickell Key, local property costs and required documents. Broker NMLS #2598846.

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Aventura · FL

Condo Loans in Aventura, FL

Condo Loans in Aventura, FL, with guidance on Aventura Lakes, local property costs and required documents. Broker NMLS #2598846.

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Orlando · FL

DSCR Loans in Orlando, FL

DSCR Loans in Orlando, FL, with guidance on Lake Nona, local property costs and required documents. Broker NMLS #2598846.

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Tampa · FL

DSCR Loans in Tampa, FL

DSCR Loans in Tampa, FL, with guidance on South Tampa, local property costs and required documents. Broker NMLS #2598846.

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Jacksonville · FL

VA Loans in Jacksonville, FL

VA Loans in Jacksonville, FL, with guidance on Riverside, local property costs and required documents. Broker NMLS #2598846.

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Texas

Houston · TX

ITIN Loans in Houston, TX

ITIN Loans in Houston, TX, with guidance on The Heights, local property costs and required documents. Broker NMLS #2598846.

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Laredo · TX

ITIN Loans in Laredo, TX

ITIN Loans in Laredo, TX, with guidance on North Laredo, local property costs and required documents. Broker NMLS #2598846.

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McAllen · TX

ITIN Loans in McAllen, TX

ITIN Loans in McAllen, TX, with guidance on North McAllen, local property costs and required documents. Broker NMLS #2598846.

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El Paso · TX

ITIN Loans in El Paso, TX

ITIN Loans in El Paso, TX, with guidance on Kern Place, local property costs and required documents. Broker NMLS #2598846.

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Houston · TX

Foreign National Mortgage in Houston, TX

Foreign National Mortgage in Houston, TX, with guidance on The Heights, local property costs and required documents. Broker NMLS #2598846.

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McAllen · TX

Foreign National Mortgage in McAllen, TX

Foreign National Mortgage in McAllen, TX, with guidance on North McAllen, local property costs and required documents. Broker NMLS #2598846.

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Houston · TX

Bank Statement Loans in Houston, TX

Bank Statement Loans in Houston, TX, with guidance on The Heights, local property costs and required documents. Broker NMLS #2598846.

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Dallas · TX

Bank Statement Loans in Dallas, TX

Bank Statement Loans in Dallas, TX, with guidance on Lakewood, local property costs and required documents. Broker NMLS #2598846.

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San Antonio · TX

DSCR Loans in San Antonio, TX

DSCR Loans in San Antonio, TX, with guidance on Alamo Heights, local property costs and required documents. Broker NMLS #2598846.

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Dallas · TX

DSCR Loans in Dallas, TX

DSCR Loans in Dallas, TX, with guidance on Lakewood, local property costs and required documents. Broker NMLS #2598846.

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San Antonio · TX

VA Loans in San Antonio, TX

VA Loans in San Antonio, TX, with guidance on Alamo Heights, local property costs and required documents. Broker NMLS #2598846.

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El Paso · TX

VA Loans in El Paso, TX

VA Loans in El Paso, TX, with guidance on Kern Place, local property costs and required documents. Broker NMLS #2598846.

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Why clients trust us

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Inside Lumos

Real moments, real people.

Behind every approval is a relationship. A peek into the work, the teaching, and the team that make Lumos feel like home.

Joselin I. Chiu — Broker Owner
Founder
Joselin I. Chiu — Broker Owner
Handing the keys to our first-time home buyers!
Closings
Handing the keys to our first-time home buyers!
Miami Board of Realtors PAC Advisory Board
Leadership
Miami Board of Realtors PAC Advisory Board
Closing day with our clients at Vogue Title
Closings
Closing day with our clients at Vogue Title
On-site with the Stratwell team
Community
On-site with the Stratwell team
Happy closing at Sunlife Title
Closings
Happy closing at Sunlife Title
Teaching realtors how to win the modern buyer
Education
Teaching realtors how to win the modern buyer
Just closed — celebrating at Capital Title Partners
Closings
Just closed — celebrating at Capital Title Partners
NAHREP South Florida — championing Hispanic homeownership
Community
NAHREP South Florida — championing Hispanic homeownership
Welcome home — closing at Sunlife Title
Closings
Welcome home — closing at Sunlife Title
Sunlife & Realty partners appreciation event
Community
Sunlife & Realty partners appreciation event
Behind every approval, a family
Personal
Behind every approval, a family
Strategy session with our agent partners
Team
Strategy session with our agent partners
“What does my lender do for me?” — client workshop
Education
“What does my lender do for me?” — client workshop
Homebuying seminar for the Miami Springs community
Community
Homebuying seminar for the Miami Springs community
Industry conference, Florida
Community
Industry conference, Florida
Off-camera moment between client calls
Personal
Off-camera moment between client calls
Joselin I. Chiu — Broker Owner
Founder
Joselin I. Chiu — Broker Owner
Handing the keys to our first-time home buyers!
Closings
Handing the keys to our first-time home buyers!
Miami Board of Realtors PAC Advisory Board
Leadership
Miami Board of Realtors PAC Advisory Board
Closing day with our clients at Vogue Title
Closings
Closing day with our clients at Vogue Title
On-site with the Stratwell team
Community
On-site with the Stratwell team
Happy closing at Sunlife Title
Closings
Happy closing at Sunlife Title
Teaching realtors how to win the modern buyer
Education
Teaching realtors how to win the modern buyer
Just closed — celebrating at Capital Title Partners
Closings
Just closed — celebrating at Capital Title Partners
NAHREP South Florida — championing Hispanic homeownership
Community
NAHREP South Florida — championing Hispanic homeownership
Welcome home — closing at Sunlife Title
Closings
Welcome home — closing at Sunlife Title
Sunlife & Realty partners appreciation event
Community
Sunlife & Realty partners appreciation event
Behind every approval, a family
Personal
Behind every approval, a family
Strategy session with our agent partners
Team
Strategy session with our agent partners
“What does my lender do for me?” — client workshop
Education
“What does my lender do for me?” — client workshop
Homebuying seminar for the Miami Springs community
Community
Homebuying seminar for the Miami Springs community
Industry conference, Florida
Community
Industry conference, Florida
Off-camera moment between client calls
Personal
Off-camera moment between client calls

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