Birmingham, Oakland County · NMLS #137016
Bank Statement Loans in Birmingham, Michigan
One call, speak directly to the owner, cut out the commissioned loan officer. We are one of Michigan’s top producing mortgage companies for a reason, we look forward to earning your business.
Your deposits show what the business really earns. Jason Yourofsky places these Birmingham files across 50+ lenders himself.
- 28 years in mortgages
- $2B+ funded
- 50+ wholesale lenders
- 83 reviews on Birdeye
Birmingham numbers that matter here
The figures this program actually turns on.
Sources: Zillow Home Value Index (July 31, 2026); Michigan Dept. of Treasury millage 2025; U.S. Census Bureau ACS and Nonemployer Statistics. Deposit and tax figures are illustrations, not quotes.
What the lender does with your Birmingham deposits
- Lenders total 12 or 24 months of deposits and apply an expense factor, commonly 50% on a business account. To document income matching Birmingham’s median household income of $153,125, deposits would need to average about $25,521 a month before that factor. Illustration only.
- Transfers between your own accounts, loan proceeds and one-off windfalls are normally stripped out, which is why a clean year of business banking is worth more than a strong tax year.
- Twenty-four months usually prices better and absorbs a seasonal dip. Twelve months favors a business that grew recently, because it will not average a strong year against a weaker one.
One district, one rate in Birmingham
- Birmingham sits in Birmingham City, so the school operating levy is consistent across the community.
- That makes budgeting simpler here than in a town split between districts, where the same price can carry a different monthly tax figure.
- On the typical $755,859 home that works out to about $1,201 a month once your taxable value uncaps at sale.
Who Atlantis works with around Birmingham
Birmingham has about 21,612 residents and a median household income of $153,125. Roughly 76.2% of homes here are owner-occupied. 25.1% of workers are based at home, which tracks closely with the kind of self-employed income a bank reads badly.
Across Oakland County there are 126,737 businesses with no paid employees, concentrated in professional & technical services (21,146); real estate (18,811); personal & repair services (12,211). That figure counts tax filings rather than people. Those owners are the files Atlantis writes most.
Also serving nearby: Beverly Hills · Bloomfield Hills · Southfield.
What are you trying to do?
Pick the closest one, or just call and describe your situation.
Why Birmingham borrowers call Jason
- A broker, not a bank. A bank has one rulebook. Atlantis shops 50+ wholesale lenders, so a file that does not fit one lender moves to another instead of dying.
- The owner works your file. 28 years, more than $2 billion funded, and he picks up the phone himself.
- Built for tricky income. Self-employed, 1099, business owners and investors are the core of what Atlantis does, not an exception it tolerates.
- Licensed and verifiable. Company NMLS #129429, Jason NMLS #137016 — check both at NMLS Consumer Access. 83 reviews on Birdeye
Quick questions
How many months of statements do I need in Birmingham?
Twelve or twenty-four. Twenty-four generally prices better; twelve favors a business that has grown recently. Both are available and the stronger option depends on your deposits.
How much do I need to deposit to qualify in Birmingham?
As arithmetic: documenting income equal to the Birmingham median of $153,125 implies deposits averaging roughly $25,521 a month before a 50% expense factor. Your factor depends on the lender and how the business runs.
Is Atlantis a bank or a broker?
A wholesale broker. Atlantis does not lend its own money; it places your loan with one of 50+ wholesale lenders that compete for it, which is why a file one bank declined can still close.
How do I reach Jason?
Call or text 248-408-2555. That is his own line. No application is needed to ask a question.
Get a straight answer today
Tell Jason what you are trying to do. No application needed to ask.
Last updated September 10, 2026. Sources: Zillow Home Value Index (July 31, 2026); Michigan Department of Treasury millage rate report 2025; U.S. Census Bureau American Community Survey.
This page is general information, not mortgage, tax or legal advice. Not a commitment to lend. All loans subject to credit review and approval. Program availability and terms vary. Consult a licensed tax professional about your own property tax situation.
Atlantis Financial Group, Inc. dba Atlantis Mortgage — NMLS #129429. Jason Yourofsky, President — NMLS #137016. 30110 Orchard Lake Rd, Farmington Hills, MI 48334. Licensed in Michigan, Florida, Texas and California. Equal Housing Lender.