Current super-jumbo bank-statement guidelines, updated from one source.
The current program figures below are hydrated from Lendmire’s super-jumbo bank-statement standards source at each visit, so the ladder shown for Augusta, GA is the ladder in force.
Program ceiling
The ceiling belongs to the bank portfolio program, which carries twelve-month-statement files above the portfolio program’s top band; the ladder table shows where each program takes over.
Top primary-residence leverage
Top leverage applies on a primary residence in the first band of the ladder; each larger band steps leverage down, second homes and investment property start lower, and cash-out has its own ladder.
Months of bank statements
Statements are the income document: deposits divided by the statement months, after the ownership share and the expense ratio. Tax returns are not requested for qualifying.
Credit floor
The credit floor for the portfolio program’s lower bands; the bank portfolio program carries its own floor, and above the overlay line a higher floor applies.
Qualifying income is the eligible deposits divided by the statement months, after the ownership share and any expense ratio; total obligations stay inside this cap.
Cash in hand is capped at this figure when the loan is above sixty percent of value; at or below that leverage the proceeds are not capped on the portfolio program.
An interest-only period is available through select programs at its own leverage and credit floor; the bank portfolio program carries a lower interest-only cap.
| Loan size | Primary residence | Second home | Investment |
|---|---|---|---|
| $300,000 – $1M | 90% · 680+ | 85% · 700+ | 85% · 700+ |
| $1M – $1.5M | 85% · 700+ | 80% · 680+ | 80% · 680+ |
| $1.5M – $2M | 85% · 720+ | 80% · 700+ | 80% · 700+ |
| $2M – $2.5M | 80% · 720+ | 80% · 720+ | 80% · 720+ |
| $2.5M – $3M | 80% · 720+ | 75% · 720+ | 75% · 720+ |
| $3M – $3.5M | 75% · 720+ | 65% · 760+ | 60% · 680+ · bank program |
| $3.5M – $4M | 75% · 760+ | 65% · 760+ | 60% · 680+ · bank program |
| $4M – $5M | 65% · 680+ · bank program | 65% · 760+ · case by case | 65% · 760+ · case by case |
| $5M – $6M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $6M – $10M | 60% · 680+ · bank program | 55% · 680+ · bank program | 55% · 680+ · bank program |
| $10M – $20M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
| $20M – $30M | 55% · 680+ · bank program | 50% · 680+ · bank program | 50% · 680+ · bank program |
Current super-jumbo bank-statement snapshot · updated September 7, 2026 · portfolio program to $6M, bank portfolio program above it to the ceiling · super-jumbo overlays above $3.5M on a primary residence and $3M on a second home or investment property · portfolio-program balances above $4M reviewed case by case before submission · reserves 3–9 months by loan size.
This page describes a consumer mortgage program at the program level. The leverage cell for any file comes from the current matrix for its occupancy, loan size and credit tier; the statements, the appraisal, reserves, and full underwriting decide the actual terms, subject to lender program eligibility. Nothing here is a rate, a quote, a fee, or a commitment to lend, and Lendmire is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
The mechanics in Augusta, GA are the same as any bank-statement loan — eligible deposits divided by the statement months — with one addition: the leverage, the credit floor, the reserves, and the appraisal work all scale with the balance and shift with occupancy.
Balance inside the standard ceiling? See Bank Statement Loans in Georgia, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Georgia.
Deposits qualify the loan, not tax returns
The income that matters is what Augusta business owners actually deposit — personal statements with business transfers at full value, business statements after an expense ratio set by the business type or by an accountant’s letter.
Leverage is a ladder by occupancy and size
For an Augusta buyer, the practical question is which rung the balance lands on for their occupancy. Each rung has a leverage ceiling and a credit floor, and the calculator below reads the matrix for the exact size and tier entered.
Credit, reserves and overlays rise with the balance
Credit tier selects the leverage cell in Augusta, GA, so a stronger score buys more leverage inside the same band. Reserves are counted in months of the full payment by loan size, longer for a first-time investor.
Two programs, one file
For Augusta, GA borrowers planning a very large balance, the program that carries it is decided by the ladder: the portfolio program through its bands — case by case above its review line — and the bank portfolio program above them. Either way, the deposits qualify the file.
This is the whole test, applied at the leverage the ladder allows for the occupancy and balance. The tool below reads the matrix for your inputs; underwriting decides the real numbers.
Where Augusta’s self-employed high earners buy — and how a lender reads the market.
Where Augusta, GA’s expensive homes are, how many households earn at the top of the distribution, and how many of them work for themselves — Census estimates give the backdrop for a high-balance review.
Read the figures as backdrop. In high-value markets, the buyers are disproportionately owners of businesses whose tax returns understate their cash flow; the statements exist to show the income the returns hide, and the ladder exists to size the loan against it.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including owner-occupied home values by bracket, household income by bracket, and class of worker.
Distinct Augusta submarkets, distinct appraisal stories.
Across Augusta’s prestige neighborhoods, high-rise residences, and historic estates, the same program produces different structures because values, comparables, and property types differ block by block.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Augusta can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Census estimates place about 0.9% of Augusta’s owner-occupied homes at a value of one million dollars or more — roughly 360 homes.
Historic and estate districts
In Augusta’s older estate districts, renovation quality and systems drive the valuation, and a lender reads the appraisal’s condition notes before applying the ladder. Roughly 5,900 Augusta workers — about 6.9% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
New luxury construction
Newly built luxury homes in Augusta carry the value but not always the comparables; valuation support is settled first, leverage second. About 5.5% of Augusta’s households earn two hundred thousand dollars a year or more — roughly 4,148 households at the top of the income distribution.
High-rise and full-service residences
High-rise units in Augusta can carry very large balances, and the association package — reserves, rental rules, hotel-style operations — is underwritten as carefully as the statements. The median owner-occupied home value in Augusta runs near $178,400 on the latest Census estimate.
Prestige neighborhoods
In Augusta’s established luxury districts, values are well supported, so the ladder applies with fewer structural adjustments than in thinner markets and the appraisal rarely lands below the contract. Augusta counts a population near 202K within the Augusta-Richmond County, GA-SC area.
Executive suburbs and enclaves
The executive enclaves around Augusta pair strong values with a steady sales record, and a bank-statement file there is usually decided by the deposits rather than by the appraisal. Median household income in Augusta sits near $55,485, the middle of a distribution whose top end the program serves.
None of this is a valuation or an income calculation; it is the backdrop an Augusta file is read against before the statements and the appraisal decide the numbers.
Four ways Augusta entrepreneurs put super-jumbo bank-statement financing to work.
Super jumbo bank statement financing in Augusta, GA is used for more than the first purchase; these are the structures Augusta borrowers ask about most.
Buy a primary residence above the standard ceiling
Acquire an Augusta estate or tower residence as a primary home and qualify on deposits, with the highest leverage the ladder offers at the balance and interest-only available through select programs.
Finance a second home on the same statements
An Augusta second home qualifies on the same deposits as the primary residence, on its own ladder — a little less leverage, its own credit cells, a single unit only.
Move with a departing residence
In Augusta, a purchase during a move is underwritten on the same statements, with the departing residence handled by the bank portfolio program’s features.
Refinance out of a bank or bridge loan
When a high-value Augusta home carries the wrong loan, a rate-and-term super jumbo bank statement refinance restructures it on the statements, at the band’s leverage.
Size an Augusta bank-statement file before requesting a quote.
This tool applies the ladder to an Augusta scenario: occupancy, loan size and credit tier select a leverage cell, the deposits become income by the program’s method, and the debt-to-income cap turns that income into a monthly housing budget. Nothing here is a rate or a payment.
Augusta bank-statement qualifier
Starting assumptions reflect Augusta’s home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above Augusta’s median owner-occupied home value to reach the super jumbo band, an equity position sized to the ladder, twelve months of deposits sized to carry a balance of that size, and modest other obligations (U.S. Census Bureau). Every field is editable; no rate or payment is shown.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. No rate, payment, or cost is shown or implied. Qualifying income follows the program’s deposit method for the statements entered; leverage is read from the current program matrix for the occupancy, loan size and credit tier; the appraisal, the statements themselves, reserves, and full underwriting decide the actual figures. Consumer mortgage lending licensed in sixteen states.
Same borrower, four very different files.
A self-employed buyer in Augusta, GA can be financed several ways; the difference is what qualifies the loan and how large the balance may be.
Deposits at scale, a standard bank-statement loan, or the property’s rent.
Qualifies on twelve or twenty-four months of deposits above the standard bank-statement ceiling, with leverage read from an occupancy-and-size matrix, super-jumbo overlays above the line, and a bank portfolio program carrying the largest bands.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most Augusta homes never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges bank statement loans in Georgia.
A super jumbo DSCR loan reads the property’s rent, not the owner’s statements; it is the path when the property is a rental and the rent carries the payment. For a leased rental, see super jumbo DSCR loans in Augusta.
Super jumbo bank statement fits a primary residence, second home or investment property the borrower’s deposits can carry above the standard ceiling; standard bank statement fits the balance inside it; super jumbo DSCR fits a rental whose rent carries the file.
What to prepare for an Augusta scenario review.
A typical starting file for a high-value home.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the loan size, occupancy, the statements, the business, the property, and reserves. Nothing here is legal or tax advice.
Local details that can change the loan.
The larger the balance, the more the details matter. In Augusta, GA, these are the ones that most often change a file’s shape.
Use these checks to keep the Augusta file clean and fundable.
Three checks keep an Augusta high-balance file on track: know the rung for the occupancy, know how the deposits will be counted, and know the overlays that apply above the line.
- Know the rung: confirm the band and the credit tier the best cell requires.
- Count the deposits: choose the account and the months that produce the cleanest income.
- Consider the asset paths: count retirement assets at their discount.
Occupancy and loan size decide the leverage
Occupancy chooses the ladder and the balance chooses the band; together they set the leverage ceiling and the credit floor for the best cell. A primary residence starts highest, a second home and an investment property a rung lower, and every larger band steps down — which is why the equity is planned before the price.
How the deposits are counted
Personal statements with business transfers count at full value; business statements carry an expense ratio set by the business type and employee count, or an accountant’s letter; the borrower must own a minimum share of the business, and the deposits must be consistent inside the window.
Asset paths when deposits fall short
An asset-allowance path adds qualifying income from liquid assets divided over a set number of months, with a longer divisor when the assets stand alone; an assets-only path skips the ratio and the reserves, and retirement assets count at a reduced value.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — an Augusta file carries a stricter credit floor, a spotless recent housing history, a longer seasoning window, no non-occupant co-borrowers, no rural property, and reserves that cash-out proceeds may not satisfy.
The review line and the bank-program hand-off
Above the portfolio program’s review line, an Augusta file is reviewed case by case before submission; above the program’s top band, the balance moves to the bank portfolio program — twelve months of statements, a lower leverage cap, an adjustable structure, and features the portfolio program lacks.
From Augusta bank statements to a funded high-balance loan.
Four steps take an Augusta, GA high-balance scenario from a first read to funding; the first one is the one most borrowers skip.
Place the balance
Every Augusta file starts with occupancy and band. The equity, the transaction type, and the interest-only question are settled around them.
Count the deposits
Lendmire computes the Augusta file’s qualifying income before the appraisal is ordered, so the balance and the ratio are known, not hoped for.
Appraise and package
The appraisals set the value the ladder is applied to; the Augusta, GA file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Final underwriting reads the whole Augusta, GA file against the matrix, and the loan funds at the leverage the occupancy, band and credit tier opened.
A brokerage built around self-employed borrowers.
A super jumbo bank statement file rewards preparation, and preparation is what a brokerage built for self-employed borrowers provides.
Ladders, not guesses
An Augusta scenario is placed on the ladder first — occupancy, band, and credit cell — and the rest of the file is then built to fit the rung it lands on, before anything is ordered.
The statements, read fairly
The expense method changes the income; Lendmire chooses the one that reads an Augusta business most fairly and packages the statements to support it.
The right wholesale program
Not every wholesale lender carries a self-employed borrower past the standard ceiling, and the ones that do differ on leverage, overlays, and documentation; Lendmire knows which is which.
Trusted by homeowners & investors alike.
Augusta super jumbo bank statement loan FAQs
What Augusta, GA entrepreneurs want to know about deposit-qualified financing above the standard ceiling — answered at the program level, not the file level.
How is leverage decided on a super jumbo bank statement loan in Augusta?
From a matrix: occupancy chooses the ladder, the balance places the file in a band, the credit tier selects a cell inside it, and that cell is the leverage. A primary residence carries the highest leverage in the smallest band; each larger band steps down. The ladder table on this page shows the best cell for each occupancy.
How is my income calculated from bank statements?
The program adds the eligible deposits, removes transfers between the borrower’s own accounts and unusual deposits, applies the expense ratio where a business account is used, prorates to the ownership share, and divides by the statement months.
Can I take cash out of a high-value Augusta home?
Inside the cash-out ladder for the occupancy, yes. Leverage steps down by band, and on the portfolio program the proceeds are capped above a set leverage — at or below it the proceeds are not capped. The bank portfolio program publishes no cap of its own, and state home-equity rules apply where they exist.
What credit score does a super jumbo bank statement loan require?
It depends on the balance, the occupancy and the leverage requested. The floor in the snapshot applies at the bottom of the ladder; larger balances and top cells require stronger credit, and a single recent housing late reduces leverage.
How long do I need to have been self-employed?
The program reads two years of self-employment history as standard, with the one-year alternatives where the prior work or training supports it.
Can I qualify on a profit-and-loss statement instead?
The profit-and-loss path is a narrower door than the statements; it suits an Augusta owner whose books are cleaner than their deposits.
How much do I need in reserves?
The program counts reserves in months of the full payment — or the interest-only payment on that structure — and scales them with the balance; plan for the payment, not the price.
Should I use personal or business statements?
Either works. Personal accounts avoid the expense ratio but must show the business transfers; business accounts show the gross deposits and take the ratio the business type carries or an accountant’s letter supports.
Does the program finance investment property?
It does, within the same licensing footprint, on the investment ladder; Lendmire compares it with the rent-qualified path before choosing.
How long does a super jumbo bank statement loan take?
The appraisal work and the disclosure timeline set the pace on an Augusta high-balance file; the file itself is packaged in parallel.
Bring the statements. We will run the ladder.
A first read of an Augusta high-balance scenario takes a few minutes and commits you to nothing; the ladder, the statement method, and the overlays are explained before anything is ordered.
This guide covers Augusta — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Georgia, part of Lendmire’s super jumbo bank statement loan program.
Also in Georgia: St. Simons · Hinesville · Brookhaven · Jekyll Island · Super Jumbo DSCR Loans in Augusta · DSCR Loans in Augusta