First Home · Florida
Higher-Ed Graduate / New Professional in Florida
Just finished med school, law school, or your master's? Buy your first Florida home with programs built for high-earning new professionals.
Common challenges we solve
- Student-loan balances inflating your DTI
- Short employment history at your new job
- Limited down payment savings
- Wanting to start building wealth instead of renting
What you get with Lumos
Physician, attorney, and CPA loans up to 100% financing
Student loans excluded or capped at IBR payment
Future-income qualifying with a signed offer letter
Loan programs that typically fit
Frequently asked
- Can I close before my first paycheck?
- Yes — we can close up to 60 days before your start date using your signed offer letter.
- Do my student loans hurt me?
- On professional programs we cap or exclude them. On conventional we use your actual IBR or PAYE payment.
- How much do I need to put down?
- As little as 0% on physician and select professional loans; 3–5% on conventional.
