Current super-jumbo bank-statement guidelines, updated from one source.
Every super jumbo bank statement page in this series shows the same live program figures, read from one guideline source rather than typed into each page.
Program ceiling
Balances run from the program minimum to the ceiling shown, across two programs; the largest bands sit on the bank portfolio program at its bank-statement leverage cap.
Top primary-residence leverage
At the first rung of the ladder a primary residence reaches this ceiling; second homes and investment property carry their own ceilings, and every band above steps down.
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 minimum credit score for the ladder’s bottom rung; the credit required for a given leverage rises with the loan size and with the occupancy.
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.
Super jumbo bank statement loans are non-QM consumer mortgage programs arranged through select wholesale lenders, licensed in sixteen states. Leverage, credit floors, reserves, statement methods, and eligibility are read from the current program matrix for the occupancy, loan size and credit tier and are subject to lender program eligibility and full underwriting. Nothing on this page states or implies a rate, a payment, a fee, or a lender; Lendmire is a mortgage broker and never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
For Eagle Pass, TX borrowers, the program is best understood as a table rather than a number: each occupancy has its own ladder, each loan-size band has its own leverage and credit cells, and two programs share the work.
Balance inside the standard ceiling? See Bank Statement Loans in Texas, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Texas.
Deposits qualify the loan, not tax returns
The program asks one question of an Eagle Pass borrower’s statements: after the ownership share and the expense ratio, do the deposits carry the payment inside the cap? Everything else in the file supports that answer.
Leverage is a ladder by occupancy and size
Leverage in Eagle Pass, TX is decided band by band and occupancy by occupancy. The same home as a primary residence and as a second home sits on two different ladders — which is why occupancy is entered before the price.
Credit, reserves and overlays rise with the balance
In Eagle Pass, TX, the overlays above the line are the program’s way of translating size into credit: a higher floor, a spotless housing history, longer seasoning after any credit event, and reserves that scale with the payment.
Two programs, one file
For Eagle Pass, TX 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.
The calculator below runs this math with your numbers, reads the leverage cell the matrix allows for the occupancy, loan size and credit tier, and shows the housing budget the debt-to-income cap leaves. The statements, the appraisal, and full underwriting decide the actual figures.
Where Eagle Pass’ self-employed high earners buy — and how a lender reads the market.
Where Eagle Pass, TX’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.
Citywide figures provide general market context, not an appraisal or an income calculation. The higher the value, the larger the payment the deposits must carry inside the cap; that is the pattern in nearly every luxury market, and it is why super jumbo bank statement files carry more equity, longer statements, or an asset-based path.
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 Eagle Pass submarkets, distinct appraisal stories.
The metropolitan luxury market around Eagle Pass splits into distinct pockets; a lender underwrites the home in front of it, but the pocket sets the expectations.
High-rise and full-service residences
In Eagle Pass’ towers, the borrower’s deposits are one half of the file and the building’s financials are the other; a non-warrantable project carries its own cell. Roughly 1,128 Eagle Pass workers — about 9.8% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Executive suburbs and enclaves
The relocation market around Eagle Pass keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. About 2.9% of Eagle Pass’ households earn two hundred thousand dollars a year or more — roughly 265 households at the top of the income distribution.
Prestige neighborhoods
The prestige neighborhoods of Eagle Pass offer the deepest comparable sales in the market, which is the half of a high-balance file the borrower cannot bring: the deposits qualify the income, the comparables qualify the price. Eagle Pass counts a population near 28K within the Eagle Pass, TX area.
Historic and estate districts
The historic estates of Eagle Pass carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Census estimates place about 0.6% of Eagle Pass’ owner-occupied homes at a value of one million dollars or more — roughly 32 homes.
New luxury construction
Where Eagle Pass is adding new estates and towers, the value case rests on recent closed sales of similar product, and the lender applies the ladder only once those support the number. Median household income in Eagle Pass sits near $57,207, the middle of a distribution whose top end the program serves.
Luxury townhomes and two-to-four-unit homes
Luxury townhome rows and owner-occupied two-to-four-unit homes in Eagle Pass are underwritten on the same deposits, with a unit-count leverage cell and, on multi-unit property, the appraisal’s rent schedule read as context. The median owner-occupied home value in Eagle Pass runs near $188,000 on the latest Census estimate.
Read the submarkets as orientation. The file’s figures come from the statements, the appraisal, and the program matrix.
Four ways Eagle Pass entrepreneurs put super-jumbo bank-statement financing to work.
How Eagle Pass entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Move with a departing residence
In Eagle Pass, 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 Eagle Pass home carries the wrong loan, a rate-and-term super jumbo bank statement refinance restructures it on the statements, at the band’s leverage.
Buy a primary residence above the standard ceiling
Acquire an Eagle Pass 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 Eagle Pass 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.
Size an Eagle Pass bank-statement file before requesting a quote.
Test an Eagle Pass balance against the ladder: occupancy, loan size and credit tier select the leverage, the deposits set the income, and the cap sets the budget. Overlays above the super-jumbo line, the bank portfolio hand-off and the cash-out proceeds cap are applied automatically.
Eagle Pass bank-statement qualifier
An Eagle Pass scenario to start from — adjust the occupancy, price, equity, credit tier and deposits to see which rung the balance lands on.
Illustrative starting assumptions: a $1,250,000 price set above Eagle Pass’ 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.
The right structure for an Eagle Pass, TX borrower depends on the balance, the occupancy, and whether the deposits, the assets, or the property’s rent should carry the file.
Deposits at scale, a standard bank-statement loan, or the property’s rent.
Deposit-qualified financing for high-value homes: no tax returns, leverage that steps down by band and occupancy, reserves and appraisal work that scale with the balance, interest-only through select programs, and asset-based paths.
For an Eagle Pass, TX home inside the standard ceiling, the standard bank-statement program is usually the simpler file; the super jumbo ladder is for the balance above it. Inside the standard ceiling, Lendmire arranges bank statement loans in Texas.
Rent-qualified rather than deposit-qualified: the super jumbo DSCR program puts the property’s income at the center, which suits a leased rental rather than an owner-occupied home. For a leased rental, see super jumbo DSCR loans in Eagle Pass.
Choose by balance and by what should qualify: the deposits at scale, the deposits within the standard ceiling, or the property’s rent — Lendmire places the Eagle Pass, TX file where it reads best.
What to prepare for an Eagle Pass scenario review.
The documents a lender reads first on a super jumbo bank-statement file.
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 Eagle Pass, TX, these are the ones that most often change a file’s shape.
Use these checks to keep the Eagle Pass file clean and fundable.
A clean Eagle Pass file starts with the balance placed on the right occupancy ladder, the deposits counted the program’s way, and the reserves counted.
- Know the rung: plan the equity around the rung, not the value.
- Count the deposits: choose the account and the months that produce the cleanest income.
- Count the reserves: do not count cash-out proceeds above the line.
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.
Reserves scale with the loan size
Reserves are months of the full payment, stepping up by loan size, plus additional months for each financed property, more for a first-time investor, and more with a non-occupant co-borrower; on an Eagle Pass high-balance file they are a large figure in dollars.
The review line and the bank-program hand-off
The two programs share one ladder in Eagle Pass, TX, with a review line inside the portfolio program’s upper bands; the calculator names the program and the review for any balance entered, and Lendmire packages the file for the program whose terms fit.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — an Eagle Pass 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.
From Eagle Pass bank statements to a funded high-balance loan.
The path from Eagle Pass bank statements to a funded super jumbo loan runs through the ladder first and the paperwork second.
Place the balance
Every Eagle Pass 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 Eagle Pass file’s qualifying income before the appraisal is ordered, so the balance and the ratio are known, not hoped for.
Appraise and package
Valuation is settled next: the appraisals the Eagle Pass balance requires and the property review, while the file is assembled for the wholesale program whose ladder reads it best.
Close and fund
Final underwriting reads the whole Eagle Pass, TX 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.
Lendmire built its practice on borrowers whose tax returns understate their income, which is why the statement methods, the ladders, and the overlays are familiar ground rather than surprises.
Ladders, not guesses
The occupancy ladder, the band, the cell, the overlays, and the program are known at the start of an Eagle Pass, TX file, not discovered in underwriting.
The statements, read fairly
Deposits are only income once they are counted the program’s way; Lendmire counts them first, choosing the statement type, the months, and the expense method that read an Eagle Pass business fairly.
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.
Eagle Pass super jumbo bank statement loan FAQs
What Eagle Pass, TX 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 Eagle Pass?
By occupancy, loan size and credit tier. There is no single loan-to-value on the program; the ladder steps leverage down as the balance climbs, and the best cell in every band requires stronger credit.
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 Eagle Pass home?
Yes, inside the cash-out ladder; the proceeds cap above the set leverage and the reserve rule at the largest balances shape how much cash a file returns.
How long do I need to have been self-employed?
Two years is the standard; the alternatives exist for owners who changed structure or field recently and can document it.
How long does a super jumbo bank statement loan take?
It depends on the balance: one appraisal or two, the portfolio program or the bank program, and how quickly the statements arrive. Preparation is what keeps an Eagle Pass, TX file moving.
What does Lendmire do on an Eagle Pass high-balance file?
Places the file on the ladder first, counts the deposits the program’s way, then builds the file for the program that reads it best; Lendmire brokers the loan through its wholesale network and is never the lender.
What changes above the super-jumbo line?
A higher credit floor, a spotless recent housing history, longer seasoning after any credit event, U.S. citizenship or permanent residency, no non-occupant co-borrowers, no rural property, an acreage limit, and reserves that cash-out proceeds may not satisfy. The line sits higher for a primary residence than for a second home or investment property.
What expense ratio applies to business statements?
The ratio is chosen from the program’s methods for the Eagle Pass business, and it is the single biggest lever on the qualifying income after the deposits themselves.
Is interest-only available?
An interest-only period is available on both programs, subject to their own caps; the calculator’s budget line shows what the cap leaves for the payment either way.
Does the program finance investment property?
Yes, on the investment ladder, with title in an entity accommodated subject to lender program eligibility, a prepayment structure on investment occupancy, a short-term rental balance cap, and longer reserves for a first-time investor. A rental whose rent should carry the file may fit the super jumbo DSCR program better.
Talk through an Eagle Pass high-balance file before the appraisal is ordered.
Start with the occupancy, the deposits, and the balance you have in mind. No credit pull or commitment is required to request an initial scenario review.
This guide covers Eagle Pass — for the statewide ladder, overlays, and scenarios, see Super Jumbo Bank Statement Loans in Texas, part of Lendmire’s super jumbo bank statement loan program.
Also in Texas: Kyle · Wylie · Flower Mound · Mansfield · Super Jumbo DSCR Loans in Eagle Pass · DSCR Loans in Eagle Pass