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 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
Credit sets which cells of the matrix are open: this floor opens the lower bands, a higher floor applies on the bank portfolio program and above the overlay line.
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.
Program figures are hydrated from one guideline source and change when it changes. Leverage steps down by loan-size band and occupancy, credit floors rise above the overlay line, cash-out has its own ladder, and the largest balances move to the bank portfolio program; all of it is subject to lender program eligibility and underwriting. No rate, payment, fee, or lender identity appears on this page, and Lendmire is the broker, not the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
The mechanics in Brookhaven, 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.
For a balance inside the standard ceiling, the standard program covers it — see the guide to bank statement loans in Georgia. The statewide guide to super jumbo bank statement loans in Georgia explains the ladder for every market in the state.
Deposits qualify the loan, not tax returns
A super jumbo bank statement loan in Brookhaven, GA is underwritten on twelve or twenty-four months of statements: eligible deposits divided by the months, after the ownership share and any expense ratio. Tax returns are not part of the qualification.
Leverage is a ladder by occupancy and size
Leverage in Brookhaven, GA 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
The program reads credit twice for a Brookhaven 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 Brookhaven, 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.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show; the calculator computes the income the program’s way and reads the leverage cell for the balance.
Where Brookhaven’s self-employed high earners buy — and how a lender reads the market.
Where Brookhaven, 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.
These are context figures, not underwriting inputs. 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 Brookhaven submarkets, distinct appraisal stories.
Where a Brookhaven home sits changes what the appraisal has to prove and which cell the property type selects; the submarkets below are the map most high-balance files are read against.
Luxury townhomes and condominiums
An upscale townhome in Brookhaven can carry a large balance; the lender reads the association documents as carefully as the statements. Median household income in Brookhaven sits near $117,663, the middle of a distribution whose top end the program serves.
Estate neighborhoods
In Brookhaven’s established estate streets, the appraiser has company and the ladder applies with few structural adjustments. About 31% of Brookhaven’s households earn two hundred thousand dollars a year or more — roughly 7,455 households at the top of the income distribution.
Acreage and equestrian property
Acreage and equestrian property around Brookhaven can trigger the program’s acreage cap and a rural designation, both of which change leverage before the deposits are reviewed. Brookhaven counts a population near 58K.
New luxury construction
Newly built homes in Brookhaven’s luxury subdivisions carry the value but not always the comparables; valuation support comes first. Census estimates place about 22% of Brookhaven’s owner-occupied homes at a value of one million dollars or more — roughly 2,789 homes.
Golf and club communities
Behind the club gates in Brookhaven, the file has to show that the dues fit inside the cap and the community’s documents pass review. Roughly 3,176 Brookhaven workers — about 9.4% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Executive relocation homes
Executives and founders moving into Brookhaven often buy before they sell; the file reads the departing residence, the deposits, and the reserves together. The median owner-occupied home value in Brookhaven runs near $692,700 on the latest Census estimate.
Market context only. The leverage cell for a Brookhaven file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Brookhaven entrepreneurs put super-jumbo bank-statement financing to work.
How Brookhaven entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Buy a primary residence above the standard ceiling
A primary-residence purchase above the standard ceiling in Brookhaven, GA qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Finance a second home on the same statements
Second-home financing in Brookhaven, GA reads the same statements and the same cap; the ladder starts a rung lower than a primary residence and never rises above it, band by band.
Take cash out inside the cash-out ladder
A Brookhaven home with equity can return cash on a deposit-qualified refinance; the cash-out ladder steps leverage down by band, and proceeds are capped above a set leverage on the portfolio program.
Refinance out of a bank or bridge loan
A rate-and-term refinance in Brookhaven, GA replaces a loan that no longer fits — a short-term bridge, a private loan, a loan the borrower’s returns could not support — on the strength of the deposits.
Size a Brookhaven bank-statement file before requesting a quote.
Enter the occupancy, a price, an equity percentage, a credit tier, the statements you would use and the deposits they show for a Brookhaven scenario. The calculator computes qualifying income the way the program does, 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. No rate or payment is shown or implied.
Brookhaven bank-statement qualifier
Illustrative Brookhaven inputs; the calculator re-reads the matrix on every change.
Illustrative starting assumptions: a $1,250,000 price set above Brookhaven’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 Brookhaven, 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.
For a Brookhaven, GA 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 Georgia.
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 Brookhaven.
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 Brookhaven 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.
Every Brookhaven 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 Brookhaven file clean and fundable.
A clean Brookhaven 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: confirm the band and the credit tier the best cell requires.
- Count the deposits: keep the statements consecutive, recent and free of unusual deposits.
- Know the structure: expect a lower leverage cap on the bank program’s interest-only structure.
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 the larger bands step down with few exceptions — which is why the equity is planned before the price.
How the deposits are counted
Transfers between the borrower’s own accounts, unusual deposits, and cash not customary to the business are excluded, and returned items are limited inside the window; a Brookhaven, GA file with clean, consecutive statements and a defensible expense ratio reads cleanly.
Interest-only and forty-year structures
An interest-only period is available through select programs at its own leverage cap and credit floor, on a forty-year structure with a ten-year interest-only window on the portfolio program, and on adjustable structures with a lower cap on the bank portfolio program; the ratio is measured on the interest-only payment.
Overlays above the super-jumbo line
Above the overlay line — higher for a primary residence than for a second home or investment property — a Brookhaven 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 review line the snapshot shows, a Brookhaven file is reviewed case by case before submission; above the portfolio 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 middle-band program does not offer.
From Brookhaven bank statements to a funded high-balance loan.
The process for a Brookhaven, GA super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every Brookhaven 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 Brookhaven 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 Brookhaven, 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 Brookhaven, 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.
High-balance bank-statement lending is where a generalist stumbles: the ladders differ by occupancy and program, the expense methods differ by lender, and the list of wholesale lenders that handle very large self-employed files competently is short.
Ladders, not guesses
A Brookhaven 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 Brookhaven 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.
Brookhaven super jumbo bank statement loan FAQs
Program-level answers to the questions Brookhaven borrowers raise most about super jumbo bank statement loans. Every file is underwritten individually; nothing here is a commitment.
How is leverage decided on a super jumbo bank statement loan in Brookhaven?
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; leverage steps down as the balance climbs. The ladder table on this page shows the best cell for each occupancy.
How is my income calculated from bank statements?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for a Brookhaven 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 Brookhaven home?
Yes, inside the cash-out ladder; the proceeds cap that applies once the leverage passes the program’s cash-out threshold, and the reserve rule at the largest balances, shape how much cash a file returns.
What expense ratio applies to business statements?
A fixed ratio by business type and employee count — lowest for a service business with no employees, higher with employees, and the same top ratio for a larger service business or a product or inventory business — or the ratio an accountant attests to, or a profit-and-loss statement the deposits support, or the deposits-less-withdrawals method.
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.
How long does a super jumbo bank statement loan take?
Long enough for the statements to be read the program’s way, the appraisals to be completed — two at the largest balances — and the consumer disclosures to run their course. Lendmire settles the ladder and the income first so the appraisal is the only wait.
What is the rate on a super jumbo bank statement loan?
A scenario review produces the terms; the calculator here sizes income and leverage only, by design.
How much do I need in reserves?
Reserves follow the balance and the portfolio: the larger the loan and the more properties financed, the more liquid assets must be verified after closing. Above the overlay line, cash-out proceeds may not satisfy them.
Can I finance a second home this way?
Yes, on the second-home ladder — starting a rung below a primary residence and never above it, with its own credit cells, and limited to a single unit. The same statements qualify the file.
What if my deposits fall short but my assets are strong?
Two paths: an asset allowance that adds qualifying income from liquid assets divided over a set number of months — a shorter divisor when it supplements statement income, a longer one when it stands alone or the balance is above the line — at its own leverage cap and seasoning; or an assets-only qualification on liquidity alone, with no ratio calculated and no reserves required.
The statements have the income. Let us find the rung.
Request a scenario review with the deposits and the occupancy; Lendmire answers with the band, the cell, and the structure that fits.
This guide covers Brookhaven — 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.
Nearby markets in Georgia: Sandy Springs · Dunwoody · Atlanta · Smyrna · Roswell · Marietta · Johns Creek · Mableton
Other loan programs in Brookhaven: DSCR Loans in Brookhaven, GA · Super Jumbo DSCR Loans in Brookhaven, GA · Short-Term Rental Loans in Brookhaven, GA · Investment Property Cash-Out Refinance in Brookhaven, GA · Hard Money Loans in Brookhaven, GA · Bank Statement Loans in Brookhaven, GA · Bank Statement HELOC in Brookhaven, GA · Investment Property HELOC in Brookhaven, GA