Hamburg, Livingston County · NMLS #137016
Self-Employed Mortgage in Hamburg, 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.
Self-employed in Hamburg? Smart tax filing should not cost you the house. Jason Yourofsky knows which programs ignore your write-offs.
- 28 years in mortgages
- $2B+ funded
- 50+ wholesale lenders
- 83 reviews on Birdeye
Hamburg 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.
Which documentation path fits a Hamburg borrower
- Livingston County has 16,066 businesses with no paid employees, concentrated in professional & technical services. That figure counts tax filings rather than people, but it tells you how common this file is here.
- Bank statements suit an owner with steady deposits and heavy write-offs. A 1099 path suits a contractor with few expenses. A profit-and-loss path suits clean books and a CPA who will sign. Asset depletion suits someone asset-rich with little current income.
- Lenders qualify you on net income after deductions, not revenue. Depreciation and other non-cash expenses are commonly added back, so your qualifying figure is usually higher than the bottom line of your Schedule C. Ask to see that calculation line by line.
In Hamburg, the school district changes the tax bill
- Hamburg covers 3 school districts: Brighton Area; Pinckney; Dexter.
- Dexter carries the highest rate here at 31.58 mills; Brighton Area the lowest at 22.62.
- Ask which district an address falls in before you write the offer, not after.
Who Atlantis works with around Hamburg
Hamburg has about 21,301 residents and a median household income of $114,347. Roughly 95.1% of homes here are owner-occupied. 19.3% 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 Hamburg 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
Can I get a mortgage in Hamburg if I write off most of my income?
Yes. That is exactly what bank statement, 1099 and asset-depletion programs exist for. They qualify you on deposits, 1099s or assets instead of your net tax figure.
How long do I need to be self-employed?
Two years is the standard, with documented exceptions at one year where there is prior history in the same field. You are generally treated as self-employed at 25% or greater ownership.
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.