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 Wimberley, TX is the ladder in force.
Program ceiling
This is the balance the program can reach on a strong file; the leverage cell at any size depends on occupancy, the credit tier, and the transaction.
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 the ceilings fall as the balance climbs (not at every band) — the ladder table shows each one.
Months of bank statements
Twelve or twenty-four months of statements qualify the file; the expense ratio depends on whether the account is personal or business and on the size of the business.
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, the bank portfolio program alongside it and on 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.
Deposit-qualified financing at scale: that is the whole idea of a super jumbo bank statement loan in Wimberley, TX. The statements carry the file; the ladder sets the leverage; the balance decides which program.
For a balance inside the standard ceiling, the standard program covers it — see the guide to bank statement loans in Texas. The statewide guide to super jumbo bank statement loans in Texas explains the ladder for every market in the state.
Deposits qualify the loan, not tax returns
The income that matters is what Wimberley 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
The ladder is the program: as a Wimberley, TX balance climbs from one band to the next, leverage steps down and the credit required for the top cell rises. Planning the equity around the band is the first structural decision.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Wimberley file: once against the floor for the band, and once against the floor for the leverage cell requested. A single recent housing late reduces leverage; a credit event inside the seasoning window reduces it further.
Two programs, one file
For Wimberley, 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 Wimberley’s self-employed high earners buy — and how a lender reads the market.
These Wimberley, TX figures describe the market, not a borrower; the statements and the appraisal carry the file, and the numbers here only explain the neighborhood it sits in.
Read the figures as backdrop. A large share of high-value homes signals depth of comparables for the appraiser; a large share of top-bracket households signals the deposits that carry a high-balance payment.
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 Wimberley submarkets, distinct appraisal stories.
Across Wimberley’s estate neighborhoods, golf communities, and new luxury construction, the same program produces different structures because values, comparables, and property types differ block by block.
Acreage and equestrian property
Larger parcels outside Wimberley bring acreage, outbuilding, and use questions the appraisal must answer, with the cap tightening as the balance climbs and rural property excluded above a set balance. Wimberley counts a population near 2.9K.
Estate neighborhoods
Large homes on large lots define Wimberley’s estate neighborhoods, and their values support balances well above the standard ceiling when the deposits do their part. Census estimates place about 22% of Wimberley’s owner-occupied homes at a value of one million dollars or more — roughly 207 homes.
New luxury construction
New luxury construction around Wimberley appraises on comparables that may be scarce for the product, so the appraisal review is longer and a second appraisal is routine at larger balances. The median owner-occupied home value in Wimberley runs near $550,800 on the latest Census estimate.
Luxury townhomes and condominiums
An upscale townhome in Wimberley can carry a large balance; the lender reads the association documents as carefully as the statements. About 21% of Wimberley’s households earn two hundred thousand dollars a year or more — roughly 295 households at the top of the income distribution.
Golf and club communities
Club communities in Wimberley add dues and transfer rules to the file; both sit inside the debt-to-income math and the eligibility review before the leverage cell is confirmed. Median household income in Wimberley sits near $80,362, the middle of a distribution whose top end the program serves.
Executive relocation homes
In Wimberley, a high-value home bought during a relocation is underwritten on the same statements, with the departing residence treated by the program that accommodates it. Roughly 181 Wimberley workers — about 15% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
None of this is a valuation or an income calculation; it is the backdrop a Wimberley file is read against before the statements and the appraisal decide the numbers.
Four ways Wimberley entrepreneurs put super-jumbo bank-statement financing to work.
Four ways a high-value home in Wimberley is financed on deposits, each with its own place on the ladder.
Buy a primary residence above the standard ceiling
For a Wimberley purchase that a standard bank-statement program cannot carry, the super jumbo path applies the same deposit math at a larger balance, with the primary-residence ladder setting the leverage.
Qualify on assets instead of deposits
A Wimberley file with strong liquidity can lean on the asset-allowance path to supplement deposits or the assets-only path to replace them, subject to lender program eligibility.
Move with a departing residence
A relocating Wimberley, TX borrower who is selling one home while buying the next can be carried by the program that treats the departing residence as part of the file.
Refinance out of a bank or bridge loan
When a high-value Wimberley 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 a Wimberley bank-statement file before requesting a quote.
This tool applies the ladder to a Wimberley 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.
Wimberley bank-statement qualifier
Illustrative Wimberley inputs; the calculator re-reads the matrix on every change.
Illustrative starting assumptions: a $1,250,000 price set above Wimberley’s median owner-occupied home value to land on the program’s ladder, 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, three very different files.
A self-employed buyer in Wimberley, TX 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.
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 a Wimberley, 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.
Qualifies an investment property on its rent rather than the owner on deposits — business-purpose financing with its own ladder, for a leased rental rather than a home the borrower will live in. For a leased rental, see super jumbo DSCR loans in Wimberley.
If the deposits carry the payment and the balance is above the standard ceiling, super jumbo bank statement is the structure; if it is inside the ceiling, standard bank statement; if the property is a leased rental, super jumbo DSCR.
What to prepare for a Wimberley 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.
Every Wimberley file is underwritten individually, but the same handful of considerations recur at high balances; they are worth settling before the appraisal is ordered.
Use these checks to keep the Wimberley file clean and fundable.
Three checks keep a Wimberley high-balance file on track: the rung for the occupancy comes first, and the checklist below carries the rest for this market.
- Know the rung: place the balance on the ladder for the occupancy before the price is set.
- Count the deposits: keep the statements consecutive, recent and free of unusual deposits.
- Consider the asset paths: season the assets the program requires.
Occupancy and loan size decide the leverage
In Wimberley, TX, the same home financed as a primary residence and as a second home sits on two different ladders; the calculator on this page reads the matrix for the exact occupancy, size and credit tier, and the structure is planned from there.
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.
Interest-only and forty-year structures
Where a Wimberley, TX borrower wants the lowest payment the ladder allows, an interest-only structure lowers the payment the deposits must carry, at a leverage cap of its own; the portfolio program’s forty-year structure carries a ten-year interest-only window.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Wimberley 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 Wimberley bank statements to a funded high-balance loan.
The path from Wimberley bank statements to a funded super jumbo loan runs through the ladder first and the paperwork second.
Place the balance
The first step is the ladder: where the Wimberley, TX balance lands for the occupancy, which cell the credit tier opens, and whether the structure should change to land on a better rung.
Count the deposits
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Wimberley, TX business most fairly and packages the statements to support it.
Appraise and package
The appraisals set the value the ladder is applied to; the Wimberley, TX file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
Final underwriting reads the whole Wimberley, 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.
Placing a Wimberley high-balance file well means knowing which program’s ladder reads it best, which expense method reads the business most fairly, and where the overlay line sits — before the appraisal is ordered.
Ladders, not guesses
A Wimberley 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 a Wimberley 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.
Wimberley super jumbo bank statement loan FAQs
General answers for Wimberley borrowers weighing a super jumbo bank statement loan; the statements, the appraisal, and underwriting decide every actual figure.
How is leverage decided on a super jumbo bank statement loan in Wimberley?
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?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for a Wimberley file changes the income, which is why Lendmire settles it before the lender sees the statements.
Can I take cash out of a high-value Wimberley 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.
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.
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.
What if my deposits fall short but my assets are strong?
The program’s asset paths supplement or replace statement income for Wimberley borrowers whose wealth sits in accounts rather than in deposits, with retirement assets counted at a discount and foreign assets excluded.
What does Lendmire do on a Wimberley 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?
It depends on the business. The program’s fixed ratios rise with employee count and with a product business; an accountant’s letter can replace the fixed ratio where the real margin is better.
Is interest-only available?
An interest-only period is available through select programs, subject to their own caps; the calculator’s budget line shows what the cap leaves for the payment either way.
Talk through a Wimberley high-balance file before the appraisal is ordered.
A first read of a Wimberley 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 Wimberley — 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.
Nearby markets in Texas: San Marcos · Kyle · New Braunfels · Austin · Cedar Park · Leander · Pflugerville · San Antonio
Other loan programs in Wimberley: DSCR Loans in Wimberley, TX · Super Jumbo DSCR Loans in Wimberley, TX · Short-Term Rental Loans in Wimberley, TX · Investment Property Cash-Out Refinance in Wimberley, TX · Hard Money Loans in Wimberley, TX · Bank Statement Loans in Wimberley, TX · Bank Statement HELOC in Wimberley, TX · Investment Property HELOC in Wimberley, TX