Your Michigan Mortgage Broker

28 years, one state, $2 billion in Michigan home loans

I didn't parachute into Michigan to chase a market. I've spent my whole career here, in the same communities I help people buy into. Over 28 years that's added up to more than $2 billion in funded loans and, for a long stretch, a spot among the highest-producing loan officers in the state. Volume isn't the point, though — what those years really bought is judgment. I've seen which lenders actually close, which programs survive contact with a real file, and how to get a tricky Michigan deal to the finish line when a big bank would have folded at the first underwriting question.

Atlantis Mortgage is the company I built around that experience — the operating name of Atlantis Financial Group, Inc. We're a wholesale mortgage brokerage, which is the part most people don't understand until it saves them money. You can read more about how I work on the about page, or skip straight to the part that matters: your loan.

Why a wholesale broker beats one Michigan bank

Walk into a bank branch and you get exactly one company's loans. One rate sheet, one set of guidelines, one answer. If your file doesn't fit their box — self-employed income, a credit hiccup, a jumbo price point, an unusual property — the answer is no, and the loan officer can't tell you that a different lender three blocks away would have said yes. They work for the bank. I work for you.

As a wholesale broker, I take the same file — your credit, your income, your down payment — and shop it across more than 50 wholesale lenders, each with its own programs, guidelines, and pricing. They compete for your loan; I place it where it fits best. For a routine conventional file that often means a better deal. For anything outside the cookie-cutter, it can be the difference between approved and declined.

• 50+ wholesale lenders instead of one bank's menu
• Every major loan type under one roof — not a single product line
• A real path to yes when your file is anything but standard
• The owner reviewing your file personally, start to finish

Serving home buyers across all of Michigan

Mortgages are done over the phone, by email, and through a secure portal — which means I serve clients from one end of the state to the other without you ever sitting in a branch. From metro Detroit and Oakland County out to Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, Sterling Heights, Warren, the Tri-Cities, and up into northern Michigan and the lake communities, I close loans wherever you're buying.

My office is in Farmington Hills, and plenty of my clients are right here in the Oakland County corridor — Birmingham, Bloomfield Hills, Novi, the lakes. But the work travels. A first-time buyer in Grand Rapids gets the same attention as a jumbo borrower in Bloomfield Hills, and a self-employed business owner in Ann Arbor gets the same deposit-by-deposit underwriting prep as one in Detroit.

Michigan is home base, but Atlantis is licensed in four states. If your search has crossed a state line, I can help in Florida, Texas, and California too.

Every loan type, one broker

"Full-service" gets thrown around a lot. Here it just means you don't have to figure out which lender does what — I already know, and I write all of it. Whatever stage you're at, there's a path:

• Conventional loans — the standard for buyers with solid credit and steady income.
• FHA loans — lower down payment and flexible credit for first-time and credit-building buyers.
• VA loans — the benefit Michigan veterans and active-duty service members earned.
• Jumbo loans — financing above the conforming limit for higher-priced Michigan homes.
• Self-employed & bank-statement loans — qualify on real cash flow, not the income your CPA worked to shrink.
• Cash-out refinances — turn built-up Michigan home equity into usable funds.

Reverse mortgages, rate-and-term refinances, and Non-QM programs round out the menu. If you're not sure which one fits, that's the easiest question I answer all day — just call.

A deep specialty in self-employed Michigan borrowers

Michigan runs on small business — contractors, trades, salon and shop owners, consultants, 1099 professionals. Their write-offs are smart accounting, but conventional underwriting reads the shrunken tax return as the whole story. My bank-statement and Non-QM programs qualify business owners on 12 or 24 months of deposits instead, so real income finally counts. If a bank already turned you down because your "income was too low," that's frequently where I start. Take a quick self-employed check and I'll look at the whole picture.

The owner answers his own phone

A mortgage is one of the largest financial decisions of your life, and you shouldn't spend it explaining your situation to a new processor every week. When you call 248-408-2555, you reach me — Jason Yourofsky, the owner — not a queue, not a script, not a rotating cast of reps. I review every file personally and I'm the one who answers when something needs an answer. After 28 years, that's still the part of this job clients tell me they remember.

Michigan mortgage broker FAQ

Straight answers to the questions Michigan buyers and homeowners ask me most.

What does a Michigan mortgage broker do?

A mortgage broker shops your home loan across many lenders instead of selling you one bank's product. Atlantis Mortgage is a wholesale brokerage in Farmington Hills, Michigan, led by Jason Yourofsky (NMLS #137016). I take your credit, income, and down payment to more than 50 wholesale lenders, let them compete for your file, and place the loan where it fits best — which often means a better deal and a real path to approval when your situation is anything but cookie-cutter.

Is a broker better than going to my bank in Michigan?

A bank offers exactly one company's loans, one rate sheet, and one set of guidelines — if your file doesn't fit, the answer is no. A broker offers many lenders' programs at once. For a routine conventional loan that often produces a more competitive deal, and for anything outside the standard box — self-employed income, a credit event, a jumbo price point, an unusual property — it can be the difference between approved and declined. With Atlantis you also get the owner reviewing your file personally rather than a call center.

What areas of Michigan does Atlantis Mortgage serve?

All of Michigan. Mortgages are handled by phone, email, and a secure online portal, so I serve clients statewide — from metro Detroit and Oakland County to Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, the Tri-Cities, and northern Michigan — without you ever visiting a branch. My office is in Farmington Hills, and Atlantis is also licensed in Florida, Texas, and California.

What types of mortgages can Atlantis Mortgage arrange?

Every major loan type. That includes conventional, FHA, VA, and jumbo loans for buyers; cash-out and rate-and-term refinances for homeowners; reverse mortgages; and a deep specialty in self-employed, bank-statement, and other Non-QM programs for business owners whose tax returns understate their real income. Because Atlantis shops 50+ lenders, you get the right program for your file rather than the only one a single bank happens to offer.

Does it cost more to use a mortgage broker?

Not inherently. Wholesale lenders price loans for brokers differently than banks price their retail products, and competition among 50+ lenders works in your favor. Every loan's costs — broker compensation, lender fees, and closing costs — are fully disclosed in writing before you commit, and I walk you through them line by line. The honest answer for your specific file comes from a quick conversation, not a number printed on a web page.

Will I actually talk to Jason, or a call center?

You talk to Jason. Atlantis Mortgage is owner-operated, and Jason Yourofsky reviews every file personally. When you call or text 248-408-2555 you reach the owner directly — not a queue, a script, or a rotating set of processors. After 28 years and $2 billion in funded loans, that direct line is still what clients say they value most.