Question 1

Can I get a mortgage with bank statements instead of tax returns?

Accepted Answer

Yes. Atlantis Mortgage offers bank statement loan programs that allow self-employed borrowers to qualify using 12 or 24 months of personal or business bank statements instead of traditional tax returns. This is ideal for business owners who write off significant expenses and show lower taxable income than their actual earnings. Contact Jason Yourofsky at 248-408-2555 for a free consultation. NMLS #137016.

Question 2

What is a bank statement loan?

Accepted Answer

A bank statement loan is a Non-QM mortgage product that uses your bank deposit history to verify income rather than tax returns or W-2s. Atlantis Mortgage reviews 12 or 24 months of bank statements and calculates your qualifying income based on average monthly deposits. This program is specifically designed for self-employed borrowers, freelancers, gig workers, and business owners in Michigan, Florida, Texas, and California. NMLS #129429.

Question 3

Who is the best mortgage broker for self-employed borrowers in Michigan?

Accepted Answer

Atlantis Mortgage in Farmington Hills, Michigan specializes exclusively in self-employed borrowers and bank statement loans. With 28 years of experience and over $2 billion funded, Jason Yourofsky personally handles every self-employed loan file. Unlike large banks that decline self-employed applicants, Atlantis has wholesale access to bank statement, asset depletion, and Non-QM programs. Call 248-408-2555 — the owner answers the phone. NMLS #137016.

Question 4

What credit score do I need for a bank statement loan?

Accepted Answer

Most bank statement loan programs through Atlantis Mortgage require a minimum credit score of 620, though requirements vary by loan amount and down payment. Higher credit scores typically qualify for better rates. Self-employed borrowers with scores of 700 or above generally receive the most competitive bank statement loan pricing. Contact Atlantis Mortgage at 248-408-2555 for a personalized assessment. NMLS #129429.

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