We caught up with the brilliant and insightful Joselin Chiu a few weeks ago and have shared our conversation below.

Alright, Joselin thanks for taking the time to share your stories and insights with us today. Let’s start with a story that highlights an important way in which your brand diverges from the industry standard.

At Lumos Mortgage Group, we see ourselves as more than just mortgage brokers—we are guides, educators, and, most importantly, partners in our clients’ journeys. Our industry often focuses narrowly on the transaction, the contract, and the commission. But for us, it’s about so much more than that. We believe in educating our clients so they feel empowered to make the best decisions for themselves , their future and their families. Lumos is committed to enriching the client experience, making it not just about securing a loan, but about feeling confident and supported throughout the entire process, now & later.

With over 20 years of experience, I have seen how stressful, dark and overwhelming real estate transactions can be. That’s why my team at Lumos invest our time into building deep, meaningful relationships. We want our clients to know that we are here for them, not just during the transaction but for all of life’s moments—whether they’re celebrating a milestone or going through a tough time. Our approach is personal and heartfelt; we want to be that guiding light, like a trusted godmother who is always there when you need her most. We are extended family you can count on to navigate the unknown and intricacies of financing real estate.

Our values—educate, empower, enrich—are at the heart of everything we do & deliver. We offer a wide array of wholesale lending programs. both for commercial & residential needs, being bilingual allows us to serve a diverse community with care and understanding. But what truly sets us apart is our commitment to nurturing a lifelong relationship with each client. We don’t just want to be there for one transaction; we want to be a part of your journey, helping you navigate all of life’s experiences with confidence and peace of mind.

At Lumos Mortgage Group, we are the light that helps you find your way through your investments, and that’s what makes us truly different in the finance industry.

Joselin, before we move on to more of these sorts of questions, can you take some time to bring our readers up to speed on you and what you do?

I am a first-generation U.S. American-born Latina woman, that started in the mortgage industry at the age of 16 back in 2004. From the very beginning, I knew that my calling was to serve my community in a way that went beyond just completing transactions. I wanted to create a company that would foster lifelong relationships, offering guidance and support through every financial decision my clients make.

At Lumos Mortgage Group, we are passionate about enriching the client experience so our clients feel confident and secure in every step of the process. In an industry where genuine, honest relationships can be hard to come by, I pride myself on delivering a heartfelt, transparent experience.

What truly sets me apart from other lenders is my dedication to building a strong foundation with my clients. I don’t just see myself as a lender for one transaction; I see myself as a guide who will walk alongside them through all of life’s financial milestones. Sometimes this means advising a client to wait, to take a step back and prepare so that they can achieve a better financial outcome in the future. Their trust in me is more valuable than any single paycheck.

Outside of work, I am a present and dedicated mother of two children and two fur babies. Just as I’m committed to being fully present with my clients. I am equally committed to being present at home for my family. I strongly believe that our culture is missing that very special touch of conscious presence & so I choose to be present in all that I do. I love spending time in nature, cooking, and staying active and healthy. These passions keep me grounded and remind me of the importance of balance, both in personal life and in business.

I am most proud of the relationships I have built throughout my career, especially now with my own brokerage- Lumos Mortgage Group. My goal has always been to serve as a light for those I connect with, helping them find their way not just through one transaction, but through all of life’s financial decisions. I want potential clients to know that when they work with me, they’re not just getting a mortgage broker—they’re gaining a partner who is genuinely invested in their long-term success.

Can you tell us about what’s worked well for you in terms of growing your clientele?

Serve well. Educate your clients. Invest your time in your client. LISTEN more than speak. When you focus on serving, the referrals of the people you serve will organically reproduce in grand multitude, organically.

What’s a lesson you had to unlearn and what’s the backstory?

I have had to unlearn putting others before myself. I was raised, like many hispanic families- especially hispanic women, to overextend ourselves, our time, our efforts- almost at all costs. Leaving you last. This was a hard lesson to accept. With time I realized it is impossible to overflow into others if you are empty with yourself. If you are not connected with your own self. Filling yourself, loving yourself, prioritizing yourself allows for you to overflow in goodness and richness to others. Putting everyone before your own wellness can cause harmful, toxic patterns that will have you living always working for the world and still so unfulfilled and sad. When you choose YOU – before all others, you root yourself in the things that you love, that strengthen you, that deepen you to your values and passions, allowing you to truly serve others in a way that fulfills your purpose and the serves others in a way that creates a light in their journey. Be the Light! Love Yourself, Choose yourself first… and then work on the rest.

Contact Info:

• Website: https://LumosMortgageGroup.com
• Instagram: https://www.instagram.com/Lumos_Mortgage/
• Facebook: https://www.facebook.com/LumosMortgage
• Linkedin: https://www.linkedin.com/in/joselinchiu/
• Youtube: https://www.youtube.com/@homefitwithjoselinchiu

Image Credits

@Alittlememoryphotography