Current super-jumbo bank-statement guidelines, updated from one source.
One source feeds every super jumbo bank statement page Lendmire publishes; the Georgetown, 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
Top leverage applies on a primary residence in the first band of the ladder; each larger band steps leverage down, second homes and investment property start lower, and cash-out has its own ladder.
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
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, 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.
A super jumbo bank statement loan is the standard bank-statement structure carried to larger balances: the deposits qualify the borrower, and a matrix of occupancy, loan size and credit tier decides the leverage. In Georgetown, TX, that ladder is what a buyer plans around.
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
A high-value home in Georgetown, TX qualifies the same way a modest one does — on the statements — but the lender reads the deposits, the business, and the expense ratio more closely, because the number they support is larger.
Leverage is a ladder by occupancy and size
For a Georgetown buyer, the practical question is which rung the balance lands on for their occupancy. Each rung has a leverage ceiling and a credit floor, and the calculator below reads the matrix for the exact size and tier entered.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Georgetown 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 Georgetown, 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 Georgetown’s self-employed high earners buy — and how a lender reads the market.
These Georgetown, 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. 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 Georgetown submarkets, distinct appraisal stories.
Georgetown’s high-value stock is not one market. Each submarket below carries its own values, its own appraisal story, and its own review points, and the leverage ladder meets each one differently.
Executive suburbs and enclaves
The relocation market around Georgetown keeps values well supported on high-value homes, and a file built on solid deposits reads cleanly against the ladder. About 13% of Georgetown’s households earn two hundred thousand dollars a year or more — roughly 4,592 households at the top of the income distribution.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Georgetown can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Median household income in Georgetown sits near $95,062, the middle of a distribution whose top end the program serves.
Prestige neighborhoods
The blue-chip streets of Georgetown carry the values and the sales record that make a large balance straightforward to underwrite once the statements are in order. Census estimates place about 1.7% of Georgetown’s owner-occupied homes at a value of one million dollars or more — roughly 427 homes.
High-rise and full-service residences
Full-service residences in Georgetown’s towers qualify on the same deposit math as a house, with the building’s warrantability, litigation, and owner-occupancy mix reviewed beside the borrower and selecting their own leverage cell. Georgetown counts a population near 86K within the Austin-Round Rock-San Marcos, TX area.
New luxury construction
Where Georgetown 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. The median owner-occupied home value in Georgetown runs near $429,100 on the latest Census estimate.
Historic and estate districts
The historic estates of Georgetown carry values that rest on condition and provenance, and the appraisal will weigh both, together with the scarcity of true comparables. Roughly 4,671 Georgetown workers — about 12% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Market context only. The leverage cell for a Georgetown file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Georgetown entrepreneurs put super-jumbo bank-statement financing to work.
How Georgetown entrepreneurs put the program to work depends on the occupancy, the balance, and the goal; these four paths cover most files.
Take cash out inside the cash-out ladder
Cash-out in Georgetown, TX has its own rungs: leverage by band and occupancy, a proceeds cap above a certain leverage, and the bank portfolio program’s own treatment at the largest balances.
Qualify on assets instead of deposits
A Georgetown 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.
Buy a primary residence above the standard ceiling
Acquire a Georgetown 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
Second-home financing in Georgetown, 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.
Size a Georgetown bank-statement file before requesting a quote.
Run a Georgetown scenario through the matrix before you request a quote: the statements and deposits produce qualifying income, the occupancy and balance produce the leverage cell, and the cap produces the budget. No rate, payment, or cost appears anywhere in the result.
Georgetown bank-statement qualifier
Seeded with Georgetown’s market figures; every field is editable, and the leverage cell updates as occupancy, balance and credit tier change.
Illustrative starting assumptions: a $1,250,000 price set above Georgetown’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 Georgetown 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.
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.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most Georgetown homes never approach — the super jumbo path begins where it stops. 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 Georgetown.
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 Georgetown 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 Georgetown 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 Georgetown file clean and fundable.
Settle the occupancy, the statement method, the band, and the property’s eligibility before the appraisal is ordered; a Georgetown file that clears these reads cleanly.
- 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.
- Check the cash-out path: expect a proceeds cap above the set leverage.
Occupancy and loan size decide the leverage
Leverage on a Georgetown 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 Georgetown file is packaged: which account, how many months, which expense method — each produces a different income, and the ladder is applied to that income.
Cash-out has its own ladder and a proceeds cap
A Georgetown, TX borrower planning to pull equity works inside the cash-out ladder: leverage by band, a proceeds cap above a certain leverage, and the state’s own home-equity rules where they apply.
Interest-only and forty-year structures
Where a Georgetown, 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.
Property type selects its own cell
Before the statements are read, a Georgetown property is checked against the program’s property rules — unit count, warrantability, acreage, rural treatment, and occupancy limits.
From Georgetown bank statements to a funded high-balance loan.
The process for a Georgetown, TX super jumbo bank statement loan is deliberate, because the details at this size are expensive to discover late.
Place the balance
Every Georgetown file starts with occupancy and band. The equity, the transaction type, and the interest-only question are settled around them.
Count the deposits
The deposits become income by one of the program’s methods; Lendmire chooses the method that reads the Georgetown, TX business most fairly and packages the statements to support it.
Appraise and package
Valuation is settled next: the appraisals the Georgetown 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 Georgetown, 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 Georgetown 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 Georgetown, 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.
Georgetown super jumbo bank statement loan FAQs
Program-level answers to the questions Georgetown 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 Georgetown?
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 Georgetown 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.
What does Lendmire do on a Georgetown high-balance file?
The structural work: occupancy ladder, band, cell, expense method, overlays, appraisals, reserves, program. A Georgetown borrower brings the statements; Lendmire brings the ladder.
What credit score does a super jumbo bank statement loan require?
It depends on the balance, the occupancy and the leverage requested. The floor in the snapshot applies at the bottom of the ladder; larger balances and top cells require stronger credit, and a single recent housing late reduces leverage.
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.
What happens in the portfolio program’s largest bands and above them?
Two things: the portfolio program reviews its largest balances before submission, and the bank portfolio program continues the ladder to the ceiling on its own terms; the calculator names the program and the review for any balance entered.
Is interest-only available?
Yes, at a leverage cap and credit floor of its own. Because the payment the deposits are measured against is smaller, an interest-only structure often makes a high-balance file work.
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?
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.
The statements have the income. Let us find the rung.
A first read of a Georgetown 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 Georgetown — 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: Fort Worth · North Richland Hills · Conroe · Mesquite · Super Jumbo DSCR Loans in Georgetown · DSCR Loans in Georgetown