Think of us as the financing arm that protects the assets you manage. Atlantis Mortgage (NMLS #129429) is a wholesale brokerage in Farmington Hills led by Jason Yourofsky (NMLS #137016) — 28 years in the business, more than $2 billion funded, and a deep specialty in the clients you serve: high-net-worth households whose wealth lives in invested assets, not in a W-2. Here's the partnership in one sentence: when your client needs cash for a home purchase, the path of least resistance is to sell the portfolio you built — which shrinks your assets under management and can hand them a tax bill — and that liquidation is exactly what our asset-depletion and jumbo programs let them avoid. When you send that client our way, you stop watching deposits leave the account you manage. You become the advisor who found a way to buy the home without selling a share. Call Jason directly at 248-408-2555 to talk through a partner relationship.
A client liquidating the portfolio is the outcome you least want
You've spent years building a portfolio for a client — positioned for the long term, balanced, growing. Then they decide to buy a home, or pull cash for a second property, and the easiest-looking move is to sell. They call you to liquidate a chunk of the account to cover the purchase or the down payment, and in a single transaction the work unwinds.
Two things happen, and neither is good for you. Your assets under management drop, which directly reduces the fee base your practice runs on. And depending on what gets sold, the client can trigger capital gains — a tax event that was never part of the plan, created solely to free up cash a lender could have provided. The client gets the house, but the relationship absorbs the damage: a smaller account, a tax bill, and a nagging sense that the portfolio was raided to make a purchase happen.
That's the moment a mortgage partner changes the math. With the right financing, the home gets bought and the portfolio stays whole. The client keeps the position you built, keeps it compounding, and avoids the forced sale — while your AUM, and the relationship behind it, stays exactly where it was.
Asset-depletion lending: qualify on the assets, without selling them
Most lenders measure a borrower by monthly income off a pay stub. That's a poor fit for a client whose wealth sits in an investment account and whose income is lumpy, distribution-based, or simply lower than their balance sheet suggests. Asset-depletion lending solves it by qualifying on the assets themselves.
At a high level, the program takes a client's qualifying assets — the kind of liquid and near-liquid holdings you manage — and converts that balance into an income stream the underwriter can use to support the loan. The client demonstrates the strength to repay through what they hold, not through a paycheck. The crucial part for you: this is a documentation method, not a sale. The assets are counted, never cashed out. The portfolio stays invested, the positions stay in place, and nothing gets liquidated to make the file work.
The result is a client who buys the home on the strength of the account you built, while that account keeps doing its job. You can learn more about how the program reads a balance sheet on our asset-depletion loans page. (Program terms and qualifying are case by case; we'll walk any specific client through what fits.)
Jumbo financing for high-value purchases
Your clients buy at price points that run past conventional loan limits, and a high-balance purchase is where the temptation to "just pay cash from the account" is strongest. Jumbo financing gives them another way: keep the capital invested, finance the home, and let the portfolio you manage continue to work rather than being drained to close.
Jumbo and asset-depletion often pair naturally for high-net-worth buyers — a large purchase, qualified on the assets, with the positions left untouched. For a household with significant invested wealth and uneven cash flow, that combination is frequently the difference between a clean purchase and a forced sale. The point you can make to a client is simple: there is no need to sell what's growing in order to buy what they want.
The wholesale-broker advantage for complex clients
High-net-worth files are rarely simple. They involve trusts, multiple entities, distribution income, large but illiquid balance sheets — exactly the situations where a single direct lender's one rate sheet runs out of room. As a wholesale broker, Atlantis shops your client's file across 50+ lenders, each with its own appetite for asset-based qualifying, jumbo balances, and non-standard income. A structure that one lender can't fit is routine for another.
When you refer a client, here's what they walk into — and what reflects back on you:
- 28 years and $2B+ funded. Jason has structured financing for business owners, executives, and asset-rich households across nearly every shape Michigan produces.
- 50+ wholesale lenders, not one program. A direct lender can only offer what it holds. Atlantis matches your client's balance sheet to the lender most comfortable with asset-depletion and jumbo files — so a "no" at one becomes a "yes" at another.
- Asset-depletion and jumbo expertise. Keeping clients invested is the specialty here, not a side product.
- The owner answers the phone. Your client calls 248-408-2555 and reaches Jason — not a call center, not a rotating cast of processors. You refer a person to a person.
- Licensed in MI, FL, TX, and CA. If your client base spans state lines, the relationship travels with them.
The short version: Atlantis makes you look like the advisor who protected the portfolio. The client buys the home, keeps their assets invested — and remembers who pointed them the right way.
How we partner — and what we never do
Atlantis Mortgage does not, and will not, pay referral fees, kickbacks, or any other thing of value in exchange for the referral of mortgage business. That is a firm line under Section 8 of the Real Estate Settlement Procedures Act (RESPA), and we hold it. Our partnerships run on three things instead: education your clients genuinely need, co-marketing where each side pays its own fair and equal share, and co-branded tools that make you look like the hero to your clients — never compensation for referrals. Any referrals that reach us are natural and voluntary — never bought, never owed.
How the partnership actually works
Three pillars, all built on value rather than compensation — the only way an advisor–lender relationship can run cleanly:
1. Education
Jason runs workshops for your clients on financing a home without liquidating their portfolio — how asset-depletion qualifying reads a balance sheet, when jumbo financing beats paying cash, and how to avoid a forced sale that triggers an avoidable tax event. Your clients leave understanding that buying a home doesn't have to mean selling what you manage, and you leave looking like the advisor who brought them a smarter option. We also provide plain-English client guides you can hand to a household that's a year or two out from buying.
2. Co-marketing
When it makes sense to reach your client base together — a joint webinar on buying real estate while staying invested, a co-hosted seminar, a shared email to a list that wants the information — we split the cost fairly and equally, each side paying its own share of the actual marketing expense. That's a genuine marketing arrangement and the opposite of paying for referrals: both parties invest in reaching real prospects, and both get their name in front of an audience that benefits.
3. Co-branded tools
We build client-facing one-pagers that carry your name alongside ours — "Buy the Home, Keep the Portfolio," "Asset-Depletion Loans Explained," "Jumbo Financing for Investors." You hand them to clients as part of your advisory service; they make you look like the firm that thinks three steps ahead. The tool does the teaching, your brand gets the credit, your client gets something useful — and no money changes hands for any of it.
Financial advisor partner program FAQ
The questions advisors ask Jason before they start sending clients.
Does Atlantis pay financial advisors for referrals?
No. Atlantis Mortgage does not, and will not, pay referral fees, kickbacks, or anything of value in exchange for the referral of mortgage business. That is a firm line under Section 8 of RESPA. The partnership runs on education your clients need, co-marketing where each side pays its own fair and equal share, and co-branded tools that make you look like the hero — never compensation for referrals.
How does asset-depletion lending keep my client invested?
Asset-depletion lending qualifies a client on the strength of their assets rather than on a paycheck. At a high level, qualifying assets are converted into an income stream the underwriter can use to support the loan — but the assets are only counted, never sold. The portfolio stays invested and the positions stay in place, so the client buys the home without liquidating the account you manage and without triggering an avoidable tax event.
Why use financing instead of letting my client pay cash from the portfolio?
Because a cash purchase from the portfolio means selling assets — which lowers your assets under management and can trigger capital gains the client never planned for. Asset-depletion and jumbo financing let the client buy the home while the invested capital stays in place and keeps working. Your AUM holds, the client avoids a forced sale, and the relationship doesn't absorb the cost of the purchase.
What does the partnership cost me?
Nothing for education or co-branded tools — client workshops, client guides, and co-branded one-pagers are part of how Atlantis builds the relationship. For co-marketing, each side simply pays its own fair and equal share of any actual marketing expense, such as a joint seminar or webinar. There is no fee to participate and no money exchanged for referrals in either direction.
Where does Atlantis lend?
Atlantis Mortgage is licensed in Michigan, Florida, Texas, and California, so the relationship can follow clients who do business or relocate across those states. The brokerage specializes in asset-depletion, jumbo, and self-employed lending, alongside conventional, FHA, VA, and reverse programs.
Help your clients buy without selling what you manage
A 20-minute call with Jason — the owner, not a call center. We'll map out how asset-depletion, jumbo, education, and co-branded tools fit your practice.