Traverse City, Grand Traverse County · NMLS #137016
Bank Statement Loans in Traverse City, 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 Traverse City files across 50+ lenders himself.
- 28 years in mortgages
- $2B+ funded
- 50+ wholesale lenders
- 83 reviews on Birdeye
Traverse City 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 Traverse City 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 Traverse City’s median household income of $71,731, deposits would need to average about $11,955 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.
Traverse City schools and your tax rate
- Traverse City sits in Traverse 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.
Who Atlantis works with around Traverse City
Traverse City has about 15,491 residents and a median household income of $71,731. Roughly 60.9% of homes here are owner-occupied. 15.7% of workers are based at home, which tracks closely with the kind of self-employed income a bank reads badly.
Across Grand Traverse County there are 10,382 businesses with no paid employees, concentrated in professional & technical services (1,587); real estate (1,389); construction & trades (1,252). 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 Traverse City 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 Traverse City?
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 Traverse City?
As arithmetic: documenting income equal to the Traverse City median of $71,731 implies deposits averaging roughly $11,955 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.