Investor · Texas

Fix & Flip in Texas

Flipping houses in Texas? Fast hard-money and bridge financing that funds purchase and rehab in one loan.

Common challenges we solve

  • Need to move fast on auctions and off-market deals
  • Want rehab funds rolled into the loan
  • Variable exit timelines

What you get with Lumos

Up to 90% of purchase + 100% of rehab

Close in 7–14 days

Interest-only during rehab

Loan programs that typically fit

Frequently asked

What credit score do I need?
660+ for best pricing; we have programs down to 620.
Do I need flip experience?
Not required for entry, but pricing improves with documented track record.

Related pages

Why clients trust us

Verified, licensed, bilingual.

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 real person
Personal
Behind every approval, a real person
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 real person
Personal
Behind every approval, a real person
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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