If you're a real estate agent who has watched a signed deal fall apart because the buyer couldn't get financed, you already know the problem I solve. Atlantis Mortgage (NMLS #129429) is a wholesale brokerage in Farmington Hills, and I close the tough files retail lenders decline — self-employed borrowers, Non-QM, jumbo, the buyers whose tax returns don't tell the real story. I'm Jason Yourofsky (NMLS #137016), 28 years in this business, more than $2 billion funded, and I answer my own phone. When your client gets pre-approved through me, that pre-approval holds, because I shop their file across 50+ wholesale lenders before I ever put it in writing. The result for you: deals that close, clients who come back, and a lending partner who keeps you informed start to finish. Licensed in Michigan, Florida, Texas, and California. Let's talk — 248-408-2555.
A deal dies when the buyer can't get financed
You did everything right. You found the listing, wrote the offer, negotiated the inspection, and held the deal together through every wobble — and then the lender came back with a "no" two weeks before closing. Your commission evaporates, your seller is furious, your buyer is heartbroken, and none of it was your fault. The file just landed at a lender that could only say yes to one kind of borrower.
That's the gap I fill. A retail lender has one rate sheet and one credit box; if your buyer is self-employed, commission-only, recently changed jobs, or buying above the conforming limit, they're often a square peg. I'm a wholesale broker, which means I take the same file and shop it across more than 50 wholesale lenders — each with its own programs, score floors, and documentation rules. When one lender's program won't fit, another's usually will. I write conventional and conventional loans, FHA, VA, jumbo, and a deep bench of Non-QM and bank-statement programs for business owners.
The agents who refer to me do it because I close the files that would have died somewhere else. That's not a slogan — it's the difference between a transaction that funds and one that falls out of escrow.
Pre-approvals you can actually trust
A pre-approval is only worth the paper it's printed on if the loan behind it is real. Plenty of agents have been burned by a soft "pre-qual" that fell apart the moment underwriting looked at the file. I do the work up front: I review income, pull credit, and match the borrower to a specific lender's program before I hand you a pre-approval letter you can attach to an offer. When your buyer competes for a home, the listing agent on the other side can rely on it — and so can you.
For your self-employed and business-owner buyers especially, that early review matters. Their deposits, write-offs, and entity structure all change what they qualify for, and I'd rather find the surprises in week one than in week four. Send them my way early and you'll know where they really stand before you start showing homes.
Fast communication — the owner answers the phone
You don't have time to chase a loan officer through a phone tree, and your clients don't either. When you call 248-408-2555, you reach me — not a call center, not a rotating cast of processors reading from a script. After 28 years and 50+ lender relationships, I can usually tell you on the first call whether a file is workable and which lenders will want it.
That responsiveness is what makes me easy to partner with. When a deadline is tight, you need answers in minutes, not days. I keep you and your client informed at every milestone — application, appraisal, underwriting conditions, clear to close — so nobody is guessing where the loan stands. No surprises at the closing table.
Informed at every step, all the way to the table
When you work a purchase with me, you're never the last to know. I'll tell you the moment a condition comes in, the moment the appraisal lands, and the moment we're clear to close — because a deal that's on track is a deal you can manage, and a deal that's off track is one we fix together before it's too late. Your reputation is on the line at every closing, and I treat it like mine.
That's the whole point of a real partnership: I make you look reliable to your clients and their listing agents, and you send me the buyers who need a broker who can actually get them home.
How the partnership actually works
A good lending partnership isn't about payments — it's about making each other better at serving the same clients. Here's what I bring to the table:
- Education. Market updates your clients genuinely need, plus financing workshops for your buyers — first-time-buyer sessions, self-employed financing clinics, "how underwriting really works" talks. Your clients leave smarter, and you look like the agent who connects them to real expertise.
- Co-marketing. Co-branded open-house flyers and buyer guides, where each side pays its own fair and equal share of the cost. Your name, my name, one polished piece — and clean economics that keep everyone on the right side of the rules.
- Co-branded tools. Pre-approval letters, financing one-sheets, and buyer-facing resources designed to make you look like the hero to your clients — not to make me look good.
Everything is built so your clients get a better experience and you get the credit for it. That's how a referral relationship compounds over years instead of fizzling after one deal.
How we partner — and what we never do
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.
Realtor partner FAQ
Straight answers to the questions agents ask me before we start working together.
Do you pay referral fees to real estate agents?
No. 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 partnership runs on 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 good to your clients.
What kinds of buyers can you get approved that a bank can't?
The files retail lenders most often decline: self-employed and business-owner borrowers whose tax returns understate their income, commission-only buyers, jumbo buyers above the conforming limit, and borrowers who need Non-QM or bank-statement programs. As a wholesale broker, Atlantis Mortgage shops the same file across 50+ wholesale lenders, so a buyer one lender turns down can still fit another lender's program.
Will the pre-approvals you give my buyers actually hold?
Yes. Before I issue a pre-approval letter, I review income, pull credit, and match the borrower to a specific lender's program — so the letter you attach to an offer is backed by a real, workable loan. Sending your self-employed and business-owner buyers to me early means we find any surprises in week one, not week four.
How will I be kept informed during the transaction?
When you call 248-408-2555, you reach Jason directly — not a call center. I keep you and your client informed at every milestone: application, appraisal, underwriting conditions, and clear to close. A deal that's on track is one you can manage, and a deal that's off track is one we fix together before it reaches the closing table.
What states do you lend in?
Atlantis Mortgage is licensed in Michigan, Florida, Texas, and California. If you have clients buying in any of those four states, I can work the file and partner with you on the transaction.
Let's close more of your deals — together
Fifteen minutes on the phone and you'll know exactly how I work a file — and why your tough buyers close with me. Talk to the owner directly.