Current super-jumbo bank-statement guidelines, updated from one source.
The snapshot below is not typed onto this page — it is pulled from one super-jumbo bank-statement guideline source and refreshed when that source changes, so Georgia always shows 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.
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.
Deposit-qualified financing at scale: that is the whole idea of a super jumbo bank statement loan in Georgia. 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 Georgia. The super jumbo bank statement loan program overview explains the ladder itself.
Deposits qualify the loan, not tax returns
A high-value home in Georgia 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
There is no single loan-to-value on this program. A Georgia file is placed by occupancy and loan size, the credit tier selects a cell inside the band, and that cell is the leverage. The ladder table on this page shows the best cell in each band for each occupancy.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Georgia 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 Georgia 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 income is measured the way the program measures it, and the leverage cell is read from the matrix for the occupancy, loan size and credit tier. The calculator applies both; the statements and the appraisal apply the rest.
Where Georgia’s self-employed high earners buy — and how a lender reads the market.
Across the Georgia markets Lendmire tracks, the share of homes valued above the standard program’s reach and the share of households at the top of the income distribution tell the story of where high-balance files come from.
Statewide figures provide general market context, not an appraisal or an income calculation. In high-value markets, the buyers are disproportionately owners of businesses whose tax returns understate their cash flow; the statements exist to show the income the returns hide, and the ladder exists to size the loan against it.
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.
Where Georgia’s high-value housing runs deepest — market by market.
Each Georgia market below has its own super jumbo bank statement page; the ranking follows the depth of high-value housing stock in the latest Census estimates.
Brookhaven
High-value housing is a substantial slice of Brookhaven — about 22% of owner-occupied homes, roughly 2,789 — so a super jumbo bank-statement file in this executive suburban luxury market is underwritten against real comparables rather than a handful of outliers. Census context: about 31% of households earning two hundred thousand dollars or more, median value near $692,700, population near 58K.
Sandy Springs
High-value housing is a substantial slice of Sandy Springs — about 21% of owner-occupied homes, roughly 5,431 — so a super jumbo bank-statement file in this metropolitan luxury market is underwritten against real comparables rather than a handful of outliers. Census context: about 24% of households earning two hundred thousand dollars or more, median value near $619,800, population near 107K.
St. Simons
St. Simons holds about 17% of its owner-occupied homes at one million dollars or more (1,147 homes): a coastal luxury market with enough high-value stock for the appraisal to find its footing. Census context: about 21% of households earning two hundred thousand dollars or more, median value near $555,600, population near 16K.
Atlanta
High-value housing is a substantial slice of Atlanta — about 14% of owner-occupied homes, roughly 15,512 — so a super jumbo bank-statement file in this metropolitan luxury market is underwritten against real comparables rather than a handful of outliers. Census context: about 19% of households earning two hundred thousand dollars or more, median value near $439,600, population near 505K.
Alpharetta
Alpharetta holds about 12% of its owner-occupied homes at one million dollars or more (1,917 homes): a metropolitan luxury market with enough high-value stock for the appraisal to find its footing. Census context: about 37% of households earning two hundred thousand dollars or more, median value near $649,000, population near 67K.
Johns Creek
High-value housing is a substantial slice of Johns Creek — about 9.8% of owner-occupied homes, roughly 2,273 — so a super jumbo bank-statement file in this executive suburban luxury market is underwritten against real comparables rather than a handful of outliers. Census context: about 36% of households earning two hundred thousand dollars or more, median value near $629,400, population near 82K.
Market rankings describe the depth of high-value housing stock, not the strength of any file; every Georgia home is underwritten on its own appraisal, its own deposits, and its own place on the ladder.
Four ways Georgia entrepreneurs put super-jumbo bank-statement financing to work.
From a primary-residence purchase to a cash-out, a relocation, or a file that leans on assets, super jumbo bank statement loans in Georgia solve a specific set of problems for self-employed buyers.
Take cash out inside the cash-out ladder
A Georgia 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.
Move with a departing residence
Buy the next Georgia home before the current one sells: the bank portfolio program accommodates a departing residence and cross-collateralization, and the deposits qualify the new balance.
Buy a primary residence above the standard ceiling
Acquire a Georgia 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.
Qualify on assets instead of deposits
Where the deposits fall short, an asset-allowance path in Georgia adds qualifying income from liquid assets divided over a set number of months, and an assets-only path qualifies a file on liquidity alone with no ratio calculated.
Size a Georgia bank-statement file before requesting a quote.
Test a Georgia 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.
Georgia bank-statement qualifier
A Georgia scenario to start from — adjust the occupancy, price, equity, credit tier and deposits to see which rung the balance lands on.
Illustrative starting assumptions: a $1,250,000 price set above Georgia’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 Georgia 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.
Qualifies on the same deposit math but stops at the standard program ceiling; the lower bands of the super jumbo ladder overlap it, with the standard program often the cleaner fit there. 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 Georgia.
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 Georgia 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 Georgia, these are the ones that most often change a file’s shape.
Use these checks to keep the Georgia file clean and fundable.
Settle the occupancy, the statement method, the band, and the property’s eligibility before the appraisal is ordered; a Georgia 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: know the expense ratio the business type carries.
- Know the program: know which program carries the balance and whether the review line applies.
Occupancy and loan size decide the leverage
In Georgia, 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.
The review line and the bank-program hand-off
The two programs share one ladder in Georgia, with a review line inside the portfolio program’s upper bands; the calculator names the program and the review for any balance entered, and Lendmire packages the file for the program whose terms fit.
Property type selects its own cell
Warrantable condominiums, non-warrantable condominiums, condotels, two-to-four-unit homes and rural property each carry their own leverage cell on the matrix; acreage is capped, rural property is excluded above a set balance, and a second home is limited to a single unit.
Reserves scale with the loan size
Reserves are months of the full payment, stepping up by loan size, plus additional months for each financed property, more for a first-time investor, and more with a non-occupant co-borrower; on a Georgia high-balance file they are a large figure in dollars.
From Georgia bank statements to a funded high-balance loan.
Lendmire runs a Georgia high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
Every Georgia 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 Georgia file’s qualifying income before the appraisal is ordered, so the balance and the ratio are known, not hoped for.
Appraise and package
Valuation is settled next: the appraisals the Georgia 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 Georgia 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 Georgia 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 Georgia business most fairly and packages the statements to support it.
The right wholesale program
A Georgia file is matched to the program whose matrix opens the best cell for its occupancy, size and tier — and to the bank portfolio program when the balance calls for it.
Trusted by homeowners & investors alike.
Georgia super jumbo bank statement loan FAQs
The questions a Georgia 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 Georgia?
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 Georgia 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 Georgia 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.
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.
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.
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.
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.
Does the program finance investment property?
It does, within the same licensing footprint, on the investment ladder; Lendmire compares it with the rent-qualified path before choosing.
How long do I need to have been self-employed?
Two years is the standard; one year can qualify with two years of prior work in the same field, or with a year of formal training.
Bring the Georgia statements. We will run the ladder.
No credit pull, no commitment: an initial review places your Georgia balance on the ladder and tells you what the file will need.
This guide covers Georgia — for the program overview, the ladder, and the qualifier, see Lendmire’s super jumbo bank statement loans hub.
All Georgia city guides (30): Albany · Alpharetta · Athens · Atlanta · Augusta · Blue Ridge · Brookhaven · Brunswick · Columbus · Dalton · Dunwoody · Gainesville · Helen · Hinesville · Jekyll Island · Johns Creek · Mableton · Macon · Marietta · Rome · Roswell · Sandy Springs · Savannah · Smyrna · South Fulton · St. Simons · Stonecrest · Tybee Island · Valdosta · Warner Robins
Also in this state: DSCR Loans in Georgia · Super Jumbo DSCR Loans in Georgia · Short-Term Rental Loans in Georgia · Investment Property Cash-Out Refinance in Georgia · Hard Money Loans in Georgia · Bank Statement Loans in Georgia · Bank Statement HELOC in Georgia · Investment Property HELOC in Georgia