Farmington Hills Mortgage Broker

The broker on Orchard Lake Road who answers his own phone

Our office sits on the Orchard Lake Road corridor at 30110 Orchard Lake Rd in Farmington Hills — the same stretch you drive past on the way to the lakes, the shops, and downtown Farmington. I mention the address because it matters. When you work with a national call center, your loan bounces between a 1-800 number, an online portal, and a processor three time zones away who has never set foot in Oakland County. When you work with me, you're working with a person who lives and works in your market, knows what a home in your ZIP actually trades for, and picks up the phone when you call.

That's not a marketing line. In 28 years I've learned that the single biggest source of stress in a mortgage is silence — not knowing where your file stands, waiting two days for a callback while your purchase agreement's clock runs. I solved that the simplest way possible: you call, I answer. No phone tree, no rotating cast of loan officers reading from a script.

Want the longer version of how a wholesale brokerage works and why it beats a single bank? I lay it all out on my Michigan mortgage broker page.

Serving Farmington Hills and Oakland County

Farmington Hills is home base, but my borrowers come from across Oakland County. Every one of these markets has its own personality, and after nearly three decades I know how they behave:

• Farmington & Farmington Hills — established neighborhoods, mature trees, a healthy mix of first-time buyers and move-up families along the Orchard Lake and Twelve Mile corridors
• West Bloomfield — lakefront and near-lake properties where higher price points often push buyers into jumbo territory
• Novi — newer construction, strong schools, and a steady stream of relocating professionals
• Birmingham & Bloomfield Hills — premium markets where self-employed and high-net-worth buyers need a broker who understands non-traditional income
• Southfield — a deep mix of condos, single-family homes, and refinance opportunities just south of us

Whether you're buying your first place in Farmington, refinancing a condo in Southfield, or financing a lake home in West Bloomfield, the playbook is the same: I look at your whole picture, then match it to the lender that fits best.

What I help Farmington Hills neighbors with

Because I'm a wholesale broker and not a one-product lender, I can cover almost any situation that walks through the door — and shop each one across more than 50 lenders to find the right home for your file:

• Buying a home — first-time buyers, move-up families, and relocations into Oakland County
• Refinancing — rate-and-term refinances to restructure an existing loan
• Cash-out & equity — tapping the equity you've built for renovations, debt consolidation, or investment
• Self-employed & bank-statement loans — qualifying business owners on real cash flow instead of a tax return their CPA worked hard to shrink
• Conventional, FHA, VA, jumbo, and reverse — all under one roof

For the most common path, a straightforward conventional loan covers most well-qualified buyers. If your income doesn't fit a tidy W-2 box, my self-employed mortgage page walks through how I qualify business owners differently.

Why a local broker beats a national lender

The big national lenders spend a fortune to look like they're everywhere. What they can't do is be here. They don't know that homes a few streets apart in Farmington Hills can appraise very differently, or how a West Bloomfield lakefront file should be structured, or which appraisers actually know this market. I do, because I've been writing loans in Oakland County for 28 years.

There's also a structural advantage that has nothing to do with geography. A direct lender can only offer its own product — one rate sheet, one credit box. If their guidelines want a higher score than your file shows, the answer is no, and they won't tell you that a competitor would happily take the same deal. As a wholesale broker, I shop your file across more than 50 lenders who compete for it. More options, more flexibility, and a real path to approval when your income, credit, or property is anything but cookie-cutter.

After more than $2 billion in funded loans, I can usually tell you within one phone call which lenders want your file — and which ones would have wasted three weeks of your life.

Farmington Hills mortgage FAQ

Straight answers to the questions my Oakland County neighbors actually ask me.

Where is Atlantis Mortgage located in Farmington Hills?

Atlantis Mortgage is headquartered at 30110 Orchard Lake Rd, Farmington Hills, MI 48334, right on the Orchard Lake Road corridor. It's a local wholesale brokerage led by Jason Yourofsky (NMLS #137016), and the fastest way to reach us is to call or text 248-408-2555 — the owner answers his own phone.

What areas around Farmington Hills do you serve?

We serve Farmington Hills, Farmington, and the surrounding Oakland County communities including West Bloomfield, Novi, Birmingham, Bloomfield Hills, and Southfield. As a Michigan-licensed broker also licensed in Florida, Texas, and California, Atlantis can help buyers and homeowners across all four states, with Farmington Hills as our home base.

Why use a local mortgage broker instead of a national lender?

A local broker knows the Oakland County market, the appraisers, and how homes trade from one neighborhood to the next — a national call center does not. Atlantis is also a wholesale brokerage, which means it shops your file across more than 50 lenders instead of selling one bank's single product. You get more options and a real person who answers the phone.

What kinds of loans does Atlantis Mortgage offer in Farmington Hills?

Atlantis offers conventional, FHA, VA, jumbo, and reverse mortgages, plus a deep specialty in self-employed and bank-statement loans that qualify business owners on real cash flow. Because it is a wholesale broker, Atlantis can match purchases, refinances, and cash-out loans to whichever of its 50-plus lenders fits your file best.

Can self-employed buyers in Oakland County get a mortgage here?

Yes — self-employed financing is one of our specialties. Many Birmingham, Bloomfield Hills, and West Bloomfield buyers are business owners whose tax returns understate their real income. Atlantis offers bank-statement and Non-QM programs that qualify you on 12 or 24 months of deposits instead of a tax return, then shops the file across multiple lenders to find the strongest fit.

Do I really get to talk to the owner?

Yes. When you call or text 248-408-2555, you reach Jason Yourofsky, the owner of Atlantis Mortgage, not a call center or a rotating cast of processors. With 28 years in the business and more than $2 billion funded, Jason reviews every file personally from the Farmington Hills office.