Texas Mortgage Broker

Licensed to do business in Texas

Atlantis Mortgage is licensed as a Texas mortgage broker and arranges residential mortgage loans for borrowers buying or refinancing across the state — Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso, and the smaller towns in between. The license matters: it means I can legally originate your Texas loan, and it means the consumer protections the state of Texas builds into mortgage lending apply to your file. You'll find the full Texas disclosures, including the state's required consumer notice, on our disclosures page, and a summary of that notice near the bottom of this page.

If you've recently relocated to Texas — a common story, given how many people move here for work — the same wholesale-broker model that helps lifelong Texans helps you too. A move, a new job, or income that doesn't show up cleanly on a tax return are exactly the wrinkles a single bank tends to reject and a broker can route around.

Why a wholesale broker beats one bank in Texas

Here's the part of the market almost nobody explains. A retail bank — the name behind most of the ads you've seen — can only sell you its own product. One rate sheet. One credit box. One set of rules. If their program wants a 680 score and your file is a 660, the answer is no, and their loan officer can't tell you a competitor down the street would take the same file. They don't work for you; they work for one menu.

A wholesale mortgage brokerage works the other direction. I take the same file — your income, your credit, your deal — and shop it across more than 50 wholesale lenders, each with its own programs, score floors, and pricing. They compete for your loan. I place it where it fits best. For a Texas buyer, that's the difference between settling for the one program in front of you and choosing from dozens.

This is also why I keep things honest about pricing. I won't print a rate on this page, because any number here would be wrong for your file — pricing depends on your credit, your down payment, the property, and the program. The real answer is a short conversation where I run your actual numbers.

Built for self-employed and Non-QM Texas borrowers

Texas runs on small business — contractors, oil-and-gas consultants, restaurant and shop owners, real-estate agents, 1099 professionals, and S-corp and LLC owners who pay themselves a modest salary and leave the rest in the company. If your income is real but your tax return is shrunk by every legitimate write-off your CPA took, conventional underwriting measures the wrong thing. That's the borrower I specialize in.

Through Non-QM programs, lenders can qualify you on cash flow instead of taxable income — bank-statement loans that average 12 or 24 months of deposits, asset-based programs, DSCR loans for rental property, and options for borrowers with a recent credit event. These sit outside the Fannie Mae and Freddie Mac rulebook, which is precisely why having a broker who knows each lender's quirks matters more here than on any conventional file. To see how the deposit math works, read my self-employed mortgage guide.

And if you also do business in the Midwest, the same approach carries over — my Michigan mortgage broker page walks through the model in our home market. Texas, Michigan, Florida, California — one broker, the same file shopped to the same wide bench of lenders.

What you can finance in Texas

Because I'm a broker, the menu is wide rather than narrow. Whether you're buying your first home, moving up, or pulling equity out of one you already own, there's usually a program that fits:

• Conventional loans for primary homes, second homes, and investment properties
• FHA and VA loans — including VA financing for the many veterans and active-duty service members who call Texas home
• Jumbo loans for higher-priced purchases in Austin, Dallas, Houston, and the Hill Country
• Bank-statement and Non-QM programs that qualify business owners on deposits, not just tax returns
• DSCR loans for rental property, qualified on the property's rent rather than your personal income
• Cash-out and rate-and-term refinances, plus reverse mortgages for eligible older homeowners

If a bank already told you "no," that's usually where I start. A turndown at one lender is just one lender's box — not a verdict.

What working with me looks like

It starts with a short conversation — a call, a text, or the quick funnel below — about what you're trying to buy or refinance, your income, and your credit. From there I'll review your file the way an underwriter will, before anything is formally submitted, so you know where you stand early instead of four weeks in.

Then I match the file to lenders. Because I can see fifty-plus guideline grids side by side, that step takes me hours, not the weeks it costs a borrower calling lenders one at a time. Once you pick the option that fits, the loan moves like any other mortgage: formal application, appraisal, underwriting, clear to close.

And at every step, you're talking to me — Jason Yourofsky, NMLS #137016 — not a rotating cast of processors reading from a script.

Texas mortgage broker FAQ

Straight answers to the questions Texas borrowers actually ask me.

Is Atlantis Mortgage licensed in Texas?

Yes. Atlantis Mortgage (NMLS #129429) is a wholesale mortgage brokerage licensed to arrange residential mortgage loans in Texas, along with Michigan, Florida, and California. Jason Yourofsky (NMLS #137016) personally reviews every Texas file. You can find the company's full Texas disclosures, including the state's required consumer notice, on our disclosures page.

What does a mortgage broker do that a bank doesn't?

A bank can only offer its own loan products and its own credit box. A wholesale mortgage broker takes your file to many lenders at once and lets them compete for your loan. Atlantis Mortgage shops more than 50 wholesale lenders, which means more programs, more flexibility, and a real path to approval when your income, credit, or property is anything but cookie-cutter.

Can a self-employed Texan get a mortgage without tax returns?

Often, yes. Bank-statement and other Non-QM programs qualify self-employed borrowers on 12 or 24 months of bank deposits instead of tax returns, averaging your deposits and applying an expense factor to estimate your qualifying income. Because Atlantis Mortgage shops many wholesale lenders, a file that doesn't fit one program can still fit another, and the deposit math is run before anything is formally submitted.

Do you handle jumbo and VA loans in Texas?

Yes. Atlantis Mortgage arranges jumbo loans for higher-priced Texas purchases, as well as VA loans for the many veterans and active-duty service members in the state, alongside conventional, FHA, reverse, and Non-QM programs. As a broker, Atlantis compares multiple lenders' versions of each loan type to find the one that best fits your file.

Where do I file a complaint about a Texas mortgage company?

Complaints against a Texas mortgage company or a residential mortgage loan originator are handled by the Texas Department of Savings and Mortgage Lending. You can complete and send a complaint form to the Department at 2601 North Lamar, Suite 201, Austin, Texas 78705, obtain forms and instructions at www.sml.texas.gov, or call the toll-free consumer hotline at 1-877-276-5550. The full required notice appears near the bottom of this page and on our disclosures page.

What does it cost to talk to you?

Nothing. The first conversation is a free review of your situation, and you'll get an honest read on where you stand before any application is submitted. Atlantis Mortgage does not quote a rate or payment sight unseen, because the right number depends on your credit, down payment, property, and program. Call or text Jason at 248-408-2555 to run your actual file.