Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Burleson, TX figures below refresh when the program sheet is updated.
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
The headline leverage belongs to a primary residence at the smallest balances the program accepts; the ladder table below shows what each occupancy and band allows.
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 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.
Consumer mortgage financing for primary residences, second homes and investment property, arranged through select wholesale programs in sixteen licensed states; the figures shown are current program parameters that vary by occupancy, loan size, credit tier, transaction, and property, subject to lender program eligibility and underwriting. No rate, payment, fee, or lender is stated or implied anywhere on this page. Lendmire is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
Super jumbo bank statement financing in Burleson, TX qualifies on the deposits, not the tax returns, and reads its terms from a ladder rather than a single cap; understanding the rungs is most of 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 income that matters is what Burleson 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
Leverage on a super jumbo bank statement loan in Burleson, TX is read from a matrix of occupancy, loan-size bands, and credit tiers. A primary residence carries the highest leverage in the smallest band; second homes and investment property start lower; every larger band steps down.
Credit, reserves and overlays rise with the balance
Above the overlay line, a Burleson file carries a stricter credit floor, a clean recent housing history, longer seasoning, U.S. citizenship or permanent residency, no non-occupant co-borrowers, and no rural property. Reserves scale with the balance, and cash-out proceeds may not satisfy them.
Two programs, one file
For Burleson, 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.
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 Burleson’s self-employed high earners buy — and how a lender reads the market.
These Burleson, 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.
These are context figures, not underwriting inputs. 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 Burleson submarkets, distinct appraisal stories.
A super jumbo bank statement file in Burleson reads differently by submarket — appraisal depth, association packages, acreage, and property type all shift from one to the next.
Executive relocation homes
In Burleson, 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. The median owner-occupied home value in Burleson runs near $308,200 on the latest Census estimate.
Luxury townhomes and condominiums
Luxury townhomes and condominiums in Burleson qualify on the same deposit math, with the association’s rules and financials reviewed beside the borrower and selecting their own leverage cell. Burleson counts a population near 53K.
Estate neighborhoods
In Burleson’s established estate streets, the appraiser has company and the ladder applies with few structural adjustments. About 10% of Burleson’s households earn two hundred thousand dollars a year or more — roughly 1,884 households at the top of the income distribution.
Golf and club communities
Behind the club gates in Burleson, the file has to show that the dues fit inside the cap and the community’s documents pass review. Census estimates place about 0.7% of Burleson’s owner-occupied homes at a value of one million dollars or more — roughly 92 homes.
Acreage and equestrian property
The estate parcels around Burleson carry space premiums, and the file has to show the acreage stays inside the limit for its loan band. Median household income in Burleson sits near $93,928, the middle of a distribution whose top end the program serves.
New luxury construction
Newly built homes in Burleson’s luxury subdivisions carry the value but not always the comparables; valuation support comes first. Roughly 2,389 Burleson workers — about 9.0% 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 Burleson file is read against before the statements and the appraisal decide the numbers.
Four ways Burleson entrepreneurs put super-jumbo bank-statement financing to work.
Four ways a high-value home in Burleson is financed on deposits, each with its own place on the ladder.
Move with a departing residence
A relocating Burleson, 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.
Qualify on assets instead of deposits
For Burleson borrowers whose wealth sits in accounts rather than in deposits, the program’s asset paths supplement or replace statement income, at their own leverage cap and seasoning.
Finance a second home on the same statements
Second-home financing in Burleson, TX 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.
Refinance out of a bank or bridge loan
When a high-value Burleson 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 Burleson bank-statement file before requesting a quote.
Test a Burleson 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.
Burleson bank-statement qualifier
Starting assumptions reflect Burleson’s home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above Burleson’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.
Super jumbo bank statement is one of four structures a Burleson borrower might use on the same home; each reads income differently and stops at a different balance.
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 Burleson homes never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges bank statement loans in Texas.
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 Burleson.
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 a Burleson scenario review.
What a bank-statement scenario review usually starts with.
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 Burleson, TX, these are the ones that most often change a file’s shape.
Use these checks to keep the Burleson file clean and fundable.
Three checks keep a Burleson 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: place the balance on the ladder for the occupancy before the price is set.
- Count the deposits: choose the account and the months that produce the cleanest income.
- Confirm the property: check the condominium’s warrantability or the condotel cell.
Occupancy and loan size decide the leverage
Leverage on a Burleson high-balance file is not negotiated; it is read from the occupancy ladder and the band. The work is choosing the balance and the equity so the file lands on the rung that fits.
How the deposits are counted
The statement method is chosen before the Burleson file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Property type selects its own cell
Before the statements are read, a Burleson property is checked against the program’s property rules — unit count, warrantability, acreage, rural treatment, and occupancy limits.
Asset paths when deposits fall short
A Burleson file with strong liquidity has two more doors: supplement the deposits with an asset allowance, or qualify on assets alone, subject to lender program eligibility.
Overlays above the super-jumbo line
The line where a Burleson balance becomes super jumbo is also the line where the overlays begin; every one of them is read before the leverage cell is confirmed.
From Burleson bank statements to a funded high-balance loan.
The process for a Burleson, TX super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
The first step is the ladder: where the Burleson, 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 Burleson, 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 Burleson, 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 Burleson, 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.
A super jumbo bank statement file rewards preparation, and preparation is what a brokerage built for self-employed borrowers provides.
Ladders, not guesses
A Burleson 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
Personal or business statements, twelve or twenty-four months, a fixed ratio or an accountant’s letter — the choice is made for the Burleson, TX file before the lender sees 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.
Burleson super jumbo bank statement loan FAQs
The questions a Burleson, TX business owner asks before requesting a high-balance scenario review, answered at the program level.
How is leverage decided on a super jumbo bank statement loan in Burleson?
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?
Eligible deposits over twelve or twenty-four months, divided by the months, after the ownership share and any expense ratio. Personal statements with business transfers count at full value; business statements carry an expense ratio set by the business type and employee count, an accountant’s letter, a profit-and-loss statement, or the deposits-less-withdrawals method.
Can I take cash out of a high-value Burleson home?
Cash-out has its own rungs and its own proceeds cap. A Burleson file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
Does the program finance investment property?
Investment property qualifies on the deposits like any other occupancy, on its own ladder and with its own rules; where the property’s rent is the stronger case, the DSCR path is the alternative.
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.
What does Lendmire do on a Burleson high-balance file?
The structural work: occupancy ladder, band, cell, expense method, overlays, appraisals, reserves, program. A Burleson borrower brings the statements; Lendmire brings the ladder.
What happens in the portfolio program’s largest bands and above them?
A Burleson balance in the portfolio program’s upper bands is read case by case before it is submitted; a balance above the program’s top band is a bank portfolio file, with its own credit floor, its own leverage, its own documentation window, and features the portfolio program lacks.
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.
Can I qualify on a profit-and-loss statement instead?
Yes, within its limits: preparer-prepared, primary residence, a lower leverage cap than statements, and its own credit floor for interest-only.
What if my deposits fall short but my assets are strong?
The program’s asset paths supplement or replace statement income for Burleson borrowers whose wealth sits in accounts rather than in deposits, with retirement assets counted at a discount and foreign assets excluded.
The statements have the income. Let us find the rung.
No credit pull, no commitment: an initial review places your Burleson balance on the ladder and tells you what the file will need.
This guide covers Burleson — 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: Lubbock · Bryan · Pearland · Beaumont · Super Jumbo DSCR Loans in Burleson · DSCR Loans in Burleson