When your matter turns on a mortgage, you need a lender who closes on time. 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, serving Oakland County and across Michigan, Florida, Texas, and California. So much of family-law and estate work hinges on the financing side: a divorcing client has to refinance to buy out a spouse's share of the marital home, or has to qualify for a new mortgage on one income; an estate needs a buyout so one heir can keep a property the others want to sell. When that financing is slow or falls apart, your settlement stalls and your client looks to you for an answer. Atlantis closes these files reliably and fast, and the owner picks up the phone — so the financing stops being the thing that holds up your matter. Call Jason directly at 248-408-2555 to talk through a working relationship.
The financing is often the part that holds up the settlement
You have negotiated the terms, the parties have agreed, and the judgment or the estate plan calls for one person to keep the house and make the other whole. On paper it is done. In practice, none of it closes until a lender funds the buyout — and that is the step outside your control. If the refinance drags or the borrower is told weeks in they don't qualify, the agreement you built sits in limbo, the timeline slips, and the client who was finally ready to move on is stuck waiting on a mortgage.
For divorce, the common knot is qualifying on one income. A client who comfortably carried a mortgage on two incomes now has to show they can carry it on one — and if that income is self-employed or commission-based, a retail bank often reads the tax returns and says no, even when the cash flow is plainly there. The buyout the decree requires can't happen, and you're back at the table on a deal that was supposed to be finished.
For estates, the knot is the buyout itself: three heirs, one house, and one of them wants to keep it. That heir needs financing to pay the others their shares so the property doesn't have to be sold out from under the family. Get the financing right and the estate settles cleanly; get it wrong and a sentimental home goes on the market because nobody could close in time.
The files we close for your clients
These are the financing structures your matters tend to require, and the ones Atlantis handles every week:
- Equity buyout refinances. One spouse keeps the marital home and refinances to pull out the equity owed to the other — a cash-out refinance structured to fund the buyout the decree requires. We size it to the settlement and close it on the timeline.
- Post-divorce qualifying on one income. The borrower has to qualify alone now, often without the second income that originally supported the loan. Where a self-employed or 1099 client gets denied on tax returns, bank-statement and Non-QM programs qualify them on real cash flow instead — the heart of the self-employed lending work.
- Estate and heir buyouts. An heir who wants to keep an inherited property finances it to pay the other heirs their shares, so the estate can settle without a forced sale. We structure the loan to the distribution.
- Straightforward refinances and new purchases. Once a client is on their own footing, the next home or a cleaner refinance often follows — and the relationship is already in place.
As a wholesale broker, Atlantis shops each file across 50+ lenders rather than forcing it into one bank's single program — which is exactly why a file a retail bank declines on income often finds a clean "yes" somewhere on the shelf.
Why speed and certainty matter to a legal timeline
A legal matter runs on dates — entry of judgment, a deadline to refinance, a probate schedule, a closing the parties agreed to. A mortgage that wanders off-schedule doesn't just inconvenience the borrower; it threatens the whole agreement and pulls you back into a matter you had closed. The two things you need from a lender are therefore simple: speed, so the financing keeps pace with the docket, and certainty, so a "pre-qualified" client doesn't get a surprise "no" the week of closing.
Atlantis is built for both. Jason reads the file honestly up front, tells you and your client what is real before anyone relies on it, and brings 28 years of closing exactly these situations. When the financing is predictable, your timeline holds — and you are never the one explaining to a client why the deal everyone signed didn't actually close.
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 attorney–lender relationship can run cleanly:
1. Education
Jason runs a CLE-style session for your firm on the financing side of divorce and estate matters — how an equity buyout refinance is structured, what actually lets a self-employed client qualify on one income, how an heir buyout gets funded, and the financing pitfalls that quietly blow up a timeline. Your team stops treating the mortgage as a black box and starts anticipating it. We also provide plain-English client guides on financing during divorce or settling an estate — the kind of resource you can hand a client so they understand the buyout step before it becomes a crisis.
2. Co-marketing
When it makes sense to reach an audience together — a joint seminar on the financial mechanics of divorce, a co-hosted estate-planning workshop, a shared resource for people navigating these transitions — we split the cost fairly and equally, each side paying its own share of the actual expense. That's a genuine marketing arrangement and the opposite of paying for referrals: both parties invest in reaching real people who need the information, 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 firm's name alongside ours — "Refinancing to Buy Out a Spouse," "Qualifying for a Mortgage After Divorce," "Financing an Estate Buyout." You hand them to clients as part of your counsel; they make your firm look like the practice that thinks three steps ahead and has the financing handled. The tool does the explaining, your firm gets the credit, your client gets something genuinely useful — and no money changes hands for any of it.
Attorney partner program FAQ
The questions attorneys ask Jason before they start sending clients our way.
Does Atlantis pay attorneys 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 your firm look like the hero — never compensation for referrals.
How does Atlantis handle an equity buyout in a divorce?
When one spouse keeps the marital home, Atlantis structures a cash-out refinance that pulls out the equity owed to the other spouse and funds the buyout the decree requires. The loan is sized to the settlement and closed on the timeline your matter runs on, so the financing keeps pace with the legal deadlines rather than holding them up.
Can a self-employed client still qualify on one income after divorce?
Often, yes — even when a retail bank says no. Where a self-employed or 1099 client gets denied because their tax returns understate their cash flow, bank-statement and Non-QM programs qualify them on real deposits instead. As a wholesale broker, Atlantis shops the file across 50+ lenders to find the program that fits a borrower now qualifying on a single income.
How does an estate or heir buyout work?
When one heir wants to keep an inherited property, Atlantis structures financing that lets that heir pay the other heirs their shares, so the estate can settle without a forced sale of the home. The loan is built to the distribution, which keeps a sentimental property in the family and lets the estate close cleanly on schedule.
Where does Atlantis lend, and how fast does it close?
Atlantis Mortgage is licensed in Michigan, Florida, Texas, and California, serving Oakland County and beyond. The brokerage is built for speed and certainty on a legal timeline: Jason reads the file honestly up front so a client isn't surprised at closing, and brings 28 years of closing exactly these divorce and estate situations. The specialties are self-employed, bank-statement, and Non-QM lending, alongside conventional, FHA, VA, jumbo, and reverse programs.
Keep your matters moving — the financing handled
A 20-minute call with Jason — the owner, not a call center. We'll map out how education, co-marketing, and co-branded tools fit your practice, and how Atlantis closes the buyouts and refinances your matters depend on.