Vienna, Genesee County · NMLS #137016
Bank Statement Loans in Vienna, 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 Vienna? 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
Vienna 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.
The arithmetic behind a Vienna bank statement loan
- Lenders total 12 or 24 months of deposits and apply an expense factor, commonly 50% on a business account. To document income matching Vienna’s median household income of $65,858, deposits would need to average about $10,976 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.
Vienna spans more than one school district
- Vienna covers 5 school districts: Johannesburg-Lewist; Atlanta; Birch Run Area Schoo; Clio Area.
- Mt Morris Consolidat carries the highest rate here at 33.76 mills; Johannesburg-Lewist the lowest at 23.57.
- On a $233,474 home that is roughly $99 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 Vienna
Vienna has about 13,187 residents and a median household income of $65,858. Roughly 80.4% of homes here are owner-occupied. 6.5% of workers are based at home, which tracks closely with the kind of self-employed income a bank reads badly.
Across Genesee County there are 30,138 businesses with no paid employees, concentrated in personal & repair services (4,875); construction & trades (3,416); administrative & support (3,304). That figure counts tax filings rather than people. Those owners are the files Atlantis writes most.
Also serving nearby: Mount Morris · Flushing · Genesee.
What are you trying to do?
Pick the closest one, or just call and describe your situation.
Why Vienna 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 Vienna?
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 Vienna?
As arithmetic: documenting income equal to the Vienna median of $65,858 implies deposits averaging roughly $10,976 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.