Florida Mortgage Broker

Yes, Atlantis is licensed in Florida

People who first found me in Michigan are sometimes surprised I can write their Florida loan too — but it's true, and it's official. Atlantis Mortgage holds a mortgage broker license issued under Chapter 494, Florida Statutes, and is regulated by the Florida Office of Financial Regulation (OFR). That means everything I do here in Farmington Hills, I can do for a property in Florida: take your file, run the numbers, and shop it across the same deep bench of wholesale lenders.

The states I'm licensed in — Michigan, Florida, Texas, and California — aren't random. They're the places my clients actually live, work, and move between. Florida is on that list because so many of the families I've worked with over 28 years end up buying there, whether it's a retirement home, a winter escape, or a relocation. When you call about a Florida property, you're not getting handed off to a partner you've never met. You're still talking to me.

What a wholesale broker does for your Florida loan

A retail bank or a big online lender has one rate sheet and one credit box. If your file doesn't fit their rules, the answer is no, and the loan officer can't tell you who would have said yes — because they only work for one menu. A wholesale broker works the opposite direction. I take your situation to 50-plus lenders and let them compete for your loan.

In Florida that competition shows up in real ways. The state's housing market spans starter condos, coastal second homes, and high-end primary residences, and different lenders are strong in different corners of it. Some are far more comfortable with condos. Some have better appetite for second homes and investment properties. Some specialize in the self-employed income documentation that trips up a one-size-fits-all underwriter. Matching your file to the lender that genuinely wants it is the entire job.

• 50+ wholesale lenders competing for your loan, not one bank's menu
• Conventional, FHA, VA, jumbo, and reverse — all under one roof
• Self-employed and bank-statement programs that qualify you on deposits
• The owner on the phone, start to finish — not a rotating call center

Built for self-employed Florida buyers

Florida runs on small business — contractors, charter captains, restaurant and shop owners, real estate professionals, consultants, and a deep bench of retirees who still earn 1099 income. If that's you, you already know the problem: your accountant's whole job is to legally shrink your taxable income, and then a conventional underwriter treats that shrunken number as the whole story. I've sat across from business owners depositing real money every month whose tax returns made them look like they barely earned a living. Nobody was lying. The system just measured the wrong thing.

A bank statement loan fixes that by qualifying you on 12 or 24 months of deposits instead of tax returns. It's one of the largest branches of Non-QM lending, and it's a specialty of mine no matter which of my four states your property sits in. If you've been turned down because your "income was too low" on paper, start with my self-employed mortgage guide or read how bank statement loans actually work, then call me and we'll run your real numbers.

Snowbirds and second homes: Michigan to Florida

A large share of the Florida files I write start in Michigan. A family I helped buy in Oakland County a decade ago calls again, ready for a place near the Gulf to spend the winters. Because I'm licensed in both states, I can handle the whole picture — including how your existing Michigan mortgage affects what you qualify for on the second home — without you having to start over with a stranger in another state.

Second-home and investment-property financing has its own rules. Down payment expectations are generally higher than on a primary residence, reserves matter more, and how you intend to use the property — personal winter use versus a seasonal rental — changes which programs fit. This is exactly where shopping multiple lenders pays off, because the gap between the most and least friendly lender on a second home is real. I'll lay out the honest trade-offs before you commit to anything.

And if you're moving the other direction — or buying your primary home back home in Michigan — that's my home turf. See my Michigan mortgage broker page for how the same approach works there.

What the process looks like

It starts with a short conversation — a call, a text, or a quick online start — about what you're buying or refinancing in Florida and how your income is structured. From there I'll review your documents and tell you early where you stand, instead of letting you find out weeks into a process. Then I match the file to lenders, comparing dozens of guideline grids side by side. Once you pick the option that fits, the loan moves like any other mortgage: application, appraisal, underwriting, clear to close. Purchases, rate-and-term refinances, and cash-out refinances are all on the table.

You'll notice I haven't printed a rate or a payment anywhere on this page. That's deliberate — pricing depends on your credit, your down payment, the property, and the program, so any number I posted here would be wrong for your file. The honest version is a conversation. Call or text me at 248-408-2555 and I'll give you real answers.

Florida mortgage FAQ

Straight answers to the questions Florida buyers ask me most.

Is Atlantis Mortgage licensed to do loans in Florida?

Yes. Atlantis Mortgage holds a mortgage broker license issued under Chapter 494, Florida Statutes, and is regulated by the Florida Office of Financial Regulation (OFR). Atlantis is also licensed in Michigan, Texas, and California, so the same wholesale-broker process applies whether your property is in Florida or one of the other three states.

What does a Florida mortgage broker do differently than a bank?

A bank can only offer its own single set of programs, so if your file doesn't fit, the answer is no. As a wholesale broker, Atlantis Mortgage takes your file to more than 50 lenders and lets them compete, which means more programs and a real path to approval when your income, credit, or property is anything but cookie-cutter. The owner, Jason Yourofsky, handles the file personally rather than passing you to a call center.

Can I get a Florida mortgage if I'm self-employed?

Yes, and it's a specialty. Self-employed Florida buyers can qualify with a bank statement loan that uses 12 or 24 months of deposits instead of tax returns, so legitimate write-offs that shrink your taxable income don't sink your application. Atlantis Mortgage shops these Non-QM programs across many lenders to match your file to the one most comfortable with your business.

I live in Michigan and want a Florida second home. Can you handle both?

Yes. Because Atlantis Mortgage is licensed in both Michigan and Florida, the same broker handles your second-home purchase from start to finish, including how your existing Michigan mortgage affects what you qualify for. Second homes typically call for a larger down payment and more reserves than a primary residence, and Atlantis compares lenders to find the friendliest fit for that scenario.

Does Atlantis offer FHA, VA, and jumbo loans in Florida?

Yes. Atlantis Mortgage arranges conventional, FHA, VA, jumbo, and reverse mortgages in Florida, in addition to self-employed and bank-statement programs. Because Florida property values vary widely by market, jumbo financing comes up often on the higher-end coast, and shopping multiple lenders helps place those larger loans where the terms fit best.

How do I get started on a Florida loan?

Call or text Jason directly at 248-408-2555, or start online and pick the path that matches your situation. The first step is a short conversation about the property and your income, after which Atlantis Mortgage reviews your documents and tells you early where you stand — before any formal submission.