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Federal Housing Administration (FHA) mortgage loans are ideal for first-time homebuyers or those with less-than-perfect credit, offering low down payments and flexible credit requirements. Typically a minimum of 3.5% down payment.
Access homeownership with as little as 3% down, depending on loan type and qualification. Some buyers may have the possibility of other county, city or state down payment assistance options.
Exclusively for veterans, active-duty service members, and eligible spouses, VA loans provide no down payment options, competitive rates, and no private mortgage insurance (PMI)
Designed for rural and suburban homebuyers, USDA loans offer 100% financing with low-interest rates for those meeting income and location requirements.
Conventional loans are a popular option for buyers with good credit, stable income & stronger down payments; featuring competitive rates and flexible terms for primary, secondary, or investment properties.
Jumbo loans finance properties exceeding conventional loan limits, perfect for luxury homes or high-cost areas, requiring stronger financial qualifications. Conventional loan limits generally change per year.
Bridge loans provide short-term financing to "bridge" the gap between buying a new property and selling your current one; & in some cases bridging the financing of purchasing a property right away until certain requirements are needed to be met to finance into another loan program.
Construction loans cover the cost of building a new home, offering flexibility and tailored terms for your dream home project
These short-term loans are designed for real estate investors looking to purchase, renovate, and quickly sell properties for profit.
Asset depletion loans use liquid assets instead of traditional income to qualify, ideal for retirees or high-net-worth individuals. No income documentation required!
Perfect for self-employed borrowers, bank statement loans use your average deposits to qualify, without needing traditional tax returns.
Debt Service Coverage Ratio (DSCR) loans are tailored for investors, qualifying based on a property's rental cash flow income instead of personal income. No income documentation required!
Specialized loans for non-U.S. citizens investing in real estate, with flexible terms and no U.S. credit history required
For self-employed borrowers, these loans use a single year's profit and loss statement for qualification instead of traditional documentation
Tap into your home’s equity with a HELOC, offering flexible, revolving credit for home improvements, education, or other needs
A home equity loan lets you borrow a lump sum against your home’s equity, ideal for fixed expenses like debt consolidation or major projects
Tailored for real estate investors, these loans offer flexible terms and options for building or expanding rental property portfolios.
Commercial loans are designed for purchasing or refinancing business properties, offering tailored solutions for entrepreneurs
Available to homeowners 62 and older, reverse mortgages allow access to home equity as tax-free income without monthly mortgage payments.
Refinancing your mortgage offers exciting opportunities to save money, access cash, or adjust your loan to fit your life’s needs. Options include lowering your rate, shortening your term, or tapping into equity through a cash-out refinance for projects, investments, or debt consolidation.
Let Lumos Mortgage Group guide you to the best loan solution tailored to your goals!
Illuminating the Real Estate Experience.
LUMOS is your trusted resource for Mortgage Loan needs in Florida & Texas.
17687 NW 78th Ave, Hialeah, FL 33015
Reach Us: FLORIDA: 954.737.5410 TEXAS: 945.292.4774 E-Mail: info@LumosMtg.com
Copyright © 2023 Lumos Mortgage Group LLC. | NMLS# 2598846
To view our NMLS Filings, CLICK HERE
All loans are subject to credit approval by the lender underwriter.
Other restrictions apply.
Mortgage Broker Only: We are not a mortgage lender, mortgage correspondent lender, or Mortgage Bank.
Lumos Mortgage Group | NMLS# 2598846 | All Rights Reserved |
Equal Housing Opportunity.
17687 NW 78th Ave, Hialeah, FL 33015
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