Brighton, Livingston County · NMLS #137016
Bank Statement Loans in Brighton, 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.
Own a business in Brighton? Qualify on 12 or 24 months of deposits instead of tax returns. Jason Yourofsky answers his own phone.
- 28 years in mortgages
- $2B+ funded
- 50+ wholesale lenders
- 83 reviews on Birdeye
Brighton 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.
How a Brighton bank statement file is actually underwritten
- Lenders total 12 or 24 months of deposits and apply an expense factor, commonly 50% on a business account. To document income matching Brighton’s median household income of $126,576, deposits would need to average about $21,096 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.
In Brighton, the school district changes the tax bill
- Brighton covers 4 school districts: Brighton Area; Howell; Huron Valley; Hartland Consolidate.
- Hartland Consolidate carries the highest rate here at 27.50 mills; Brighton Area the lowest at 19.86.
- On a $447,662 home that is roughly $143 a month between them — the same house, the same income, a different approval amount.
- Ask which district an address falls in before you write the offer, not after.
Who Atlantis works with around Brighton
Brighton has about 19,254 residents and a median household income of $126,576. Roughly 94.5% of homes here are owner-occupied. 15.5% of workers are based at home, which tracks closely with the kind of self-employed income a bank reads badly.
Across Livingston County there are 16,066 businesses with no paid employees, concentrated in professional & technical services (2,504); construction & trades (2,153); real estate (2,067). That figure counts tax filings rather than people. Those owners are the files Atlantis writes most.
What are you trying to do?
Pick the closest one, or just call and describe your situation.
Why Brighton 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 Brighton?
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 Brighton?
As arithmetic: documenting income equal to the Brighton median of $126,576 implies deposits averaging roughly $21,096 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.