Lumos Mortgage Group

Your client wrote off a lot. Their bank said no. We can help.

Lumos Mortgage Group shops lenders with programs built for business owners and the self-employed in Florida and Texas.

• 12/24-month bank statement — qualify on personal or business deposits
• P&L-only — using a CPA- or tax-preparer-prepared profit & loss
• 1099-only — for contractors and gig earners with 1–2 years of 1099s
• WVOE — written verification of employment for complex W-2 pay
• Asset depletion — qualify using liquid assets and investments
• DSCR — rental properties qualified on rental income

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Joselin Chiu, Broker Owner · NMLS #2598846 · Mortgage broker, not a lender. All loans subject to lender credit approval. Equal Housing Opportunity. Lumos does not pay referral fees.