Important Disclosures & Disclaimers

At Lumos Mortgage Group, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our main website https://LumosMortgageGroup.com version of our auxiliary website https://joselinchiu.com ( The “Website(s)”). By using our Website(s), you consent to the practices described in this Privacy Policy.

We may collect personal information from you when you voluntarily provide it to us through forms on our Website(s) or social media outlets, or when you contact us via direct calls, SMS messaging, or email. The information we collect may include but is not limited to: Contact information (such as email address, phone number), Financial information (such as income, credit score), Property information (such as address, value). By submitting your phone number to Lumos Mortgage Group you are authorizing a representative of our company to send you text messages and notifications. Message frequency may vary. Message/data rates apply. Reply STOP to unsubscribe to a message sent from us, and HELP to receive help.

We may use the information we collect for various purposes, including: Providing mortgage loan services and assisting with the home buying or refinancing process. Communicating with you regarding your inquiries, applications, and updates. Sending notifications, updates, and promotional materials related to our services. Conducting market research and analysis to improve our services. Complying with legal obligations and enforcing our rights. We do not share data with third parties for marketing/promotional purposes.

We do not sell your personal data, or the personal data of your end users. We also do not allow any personal data to be used by third parties for their own marketing purposes (except in cases where you explicitly request or provide consent for us to do so, such as at a conference when you direct us to share your information with a sponsor). However, we do need to share it in some circumstances. These may be to provide you services (e.g., to route a call or send an email), or when necessary for our suppliers to provide services to us, or for another reason.

We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

You may use the Website(s) for personal and non-commercial purposes only. You agree not to engage in any activity that could harm, disable, overburden, or impair the Website(s)’ functioning or interfere with other users’ access to the Website(s).

The Website(s) may contain links to third-party websites that are not owned or controlled by Lumos Mortgage Group. We are not responsible for the content, privacy practices, or terms of use of these third-party websites. Your use of such linked websites is at your own risk. Third-party sharing for marketing and promotional purposes exclude text messaging opt-in data and consent; this information will not be shared with any third parties; text messaging opt-in data is not being shared with third parties

By providing your contact information, including phone number and email address, you consent to receive communications from us for notifications, updates, and promotional purposes. These communications may be sent via direct calls, SMS messaging, or email, following the guidelines mentioned in the Twilio A2P 10DLC Campaign Approval Requirements and Mailgun Compliance and Security guidelines.  By providing a telephone number you are consenting to be contacted by SMS text message (our message frequency may vary). Message & data rates apply. You can always Reply STOP to unsubscribe from further messaging. Reply HELP for more information. See our Privacy Policy.

You have the right to opt-out or suspend any and all communications from Lumos Mortgage Group. If you wish to stop receiving communications from us, you can do so by contacting us directly or by replying to any of our communications with the words “unsubscribe” or “stop.” We will promptly remove you from our mailing and texting list and cease further communications. Similarly, if you decide to restart communications with us after opting out, you can contact us directly or reply to any of our communications with the words “start” or “subscribe.” We will update your preferences accordingly and resume sending you notifications, updates, and promotional materials as per your request.

Please note that even if you choose to opt-out or suspend communications, we may still contact you for essential purposes related to your mortgage services or legal obligations.

All content on this Website(s), including text, graphics, logos, images, and software, is the property of Lumos Mortgage Group LLC or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or use any content from the Website(s) without our prior written consent.

We reserve the right to modify or update these Terms and Conditions at any time without prior notice. Your continued use of the Website(s) after any changes constitutes your acceptance of the revised Terms and Conditions. If you have any questions or concerns about our Privacy Policy or Terms and Conditions, please contact us at:

Email: info@LumosMortgageGroup.com
Phone Number: 954.737.5410
Thank you for visiting Lumos Mortgage Group

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly. 

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action. 

All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us at the number on the Home Page.

These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved

by any government agency. They are independent of any government agency. We are not in any

way affiliated with any organization listed or referenced within this website, including

HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.

For information directly from HUD/FHA, visit https://www.hud.gov/guidance

For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/

For information directly from the USDA, visit

http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS

Tool Kit Link (TRID):

http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf

Adjustable Rate Mortgages Booklet Link:

http://files.consumerfinance.gov/f/201401_cfpb_booklet_charm.pdf

Settlement Costs Booklet (Non-TRID)

https://www.hud.gov/sites/documents/DOC_12893.PDF