Super Jumbo Bank Statement Loans

These specifics are subject to lender guidelines and a full review of property, leverage, and credit.

– Qualifying income comes from averaged bank deposits over 12 or 24 months, not adjusted gross income from a tax return.

Sizes run from $300,000 to $20 million across two different wholesale channels, each with its own rules.

Below that, most of what determines the outcome is credit depth, reserves, and which documentation path fits the borrower’s actual cash flow.

Jumbo Bank Statement Mortgage: Complete Guide — A jumbo bank statement mortgage lets a self-employed borrower buy or refinance a home

These non-QM programs run from $300,000 to $20,000,000, with leverage that steps down as the loan size climbs.

– “Super jumbo” is a lender-defined pricing tier, not a federal classification — it describes loans well above standard jumbo thresholds.