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
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
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
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.
The figures on this page are program parameters, not offers: leverage is a matrix of occupancy, loan size and credit tier, cash-out has its own ladder and proceeds cap, two programs share the balance range, and every file is underwritten individually. No rate, payment, fee, or lender is stated or implied. Lendmire brokers these loans through its wholesale network in sixteen licensed states and is never the lender.
What a super-jumbo bank-statement loan is — and how deposits become income.
The mechanics in Marietta, 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.
Balance inside the standard ceiling? See Bank Statement Loans in Georgia, the standard program, or the statewide guide at Super Jumbo Bank Statement Loans in Georgia.
Deposits qualify the loan, not tax returns
A high-value home in Marietta, GA 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
Leverage in Marietta, 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 Marietta 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 Marietta, 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.
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 Marietta’s self-employed high earners buy — and how a lender reads the market.
These Marietta, GA 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. Value and income rarely climb at the same pace; the market figures below show how far Marietta’s top of market has moved, and the calculator shows what that means for the debt-to-income math.
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 Marietta submarkets, distinct appraisal stories.
Where a Marietta 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.
Historic and estate districts
Historic property in Marietta appraises on a thin comparable set; two appraisals are routine once the balance crosses the line, and the review takes longer. About 14% of Marietta’s households earn two hundred thousand dollars a year or more — roughly 3,443 households at the top of the income distribution.
High-rise and full-service residences
Full-service residences in Marietta’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. Marietta counts a population near 62K within the Atlanta-Sandy Springs-Roswell, GA area.
New luxury construction
Where Marietta 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. Roughly 4,168 Marietta workers — about 13% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Luxury townhomes and two-to-four-unit homes
Attached and small multi-unit luxury property in Marietta can carry a large balance; the lender reads the building’s documents or the unit count together with the statements. Census estimates place about 3.6% of Marietta’s owner-occupied homes at a value of one million dollars or more — roughly 426 homes.
Executive suburbs and enclaves
The executive enclaves around Marietta pair strong values with a steady sales record, and a bank-statement file there is usually decided by the deposits rather than by the appraisal. Median household income in Marietta sits near $72,725, the middle of a distribution whose top end the program serves.
Prestige neighborhoods
In Marietta’s established luxury districts, values are well supported, so the ladder applies with fewer structural adjustments than in thinner markets and the appraisal rarely lands below the contract. The median owner-occupied home value in Marietta runs near $448,500 on the latest Census estimate.
Market context only. The leverage cell for a Marietta file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Marietta entrepreneurs put super-jumbo bank-statement financing to work.
From a primary residence to a second home to a departing-residence move, super jumbo bank statement loans in Marietta, GA solve a specific set of problems for self-employed buyers.
Qualify on assets instead of deposits
For Marietta 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.
Move with a departing residence
Buy the next Marietta home before the current one sells: the bank portfolio program accommodates a departing residence and cross-collateralization, and the deposits qualify the new balance.
Refinance out of a bank or bridge loan
Move a Marietta home out of a bank portfolio loan, a bridge loan, or a maturing structure into a deposit-qualified loan at the leverage the ladder allows, without tax returns.
Take cash out inside the cash-out ladder
Cash-out in Marietta, GA 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.
Size a Marietta bank-statement file before requesting a quote.
The calculator does what the lender’s first pass does for a Marietta file — computes the income from the deposits, finds the band and the cell for the occupancy and credit tier, applies the cap — using the current matrix. It never quotes a rate or a payment.
Marietta bank-statement qualifier
Starting assumptions reflect Marietta’s home values; change any field and the ladder is re-read.
Illustrative starting assumptions: a $1,250,000 price set above Marietta’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.
The right structure for a Marietta, GA borrower depends on the balance, the occupancy, and whether the deposits, the assets, or the property’s rent should carry the file.
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.
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.
Qualifies an investment property on its rent rather than the owner on deposits — business-purpose financing with its own ladder, for a leased rental rather than a home the borrower will live in. For a leased rental, see super jumbo DSCR loans in Marietta.
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 Marietta 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 Marietta 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 Marietta file clean and fundable.
A clean Marietta 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: 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.
- Consider the asset paths: know the divisor for the asset-allowance path.
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 every larger band steps down — which is why the equity is planned before the price.
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.
Asset paths when deposits fall short
An asset-allowance path adds qualifying income from liquid assets divided over a set number of months, with a longer divisor when the assets stand alone; an assets-only path skips the ratio and the reserves, and retirement assets count at a reduced value.
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.
Cash-out has its own ladder and a proceeds cap
Cash-out on a Marietta home steps down by band and occupancy, and the proceeds are capped above a set leverage on the portfolio program; at or below that leverage the proceeds are not capped. The bank portfolio program publishes no cap of its own.
From Marietta bank statements to a funded high-balance loan.
The path from Marietta bank statements to a funded super jumbo loan runs through the ladder first and the paperwork second.
Place the balance
The first step is the ladder: where the Marietta, GA 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
Lendmire computes the Marietta 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 Marietta 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 Marietta, 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.
Placing a Marietta high-balance file well means knowing which program’s ladder reads it best, which expense method reads the business most fairly, and where the overlay line sits — before the appraisal is ordered.
Ladders, not guesses
A Marietta 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 Marietta, GA 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.
Marietta super jumbo bank statement loan FAQs
Program-level answers to the questions Marietta 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 Marietta?
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?
Deposits divided by months, after exclusions and the expense ratio. The method chosen for a Marietta 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 Marietta home?
Cash-out has its own rungs and its own proceeds cap. A Marietta file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
Is interest-only available?
An interest-only period is available on both 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.
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.
Should I use personal or business statements?
Use the account that tells the truer story: a Marietta owner who pays themselves regularly often qualifies best on personal statements; an owner whose income stays in the business often qualifies best on business statements with a fair ratio.
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.
What if my deposits fall short but my assets are strong?
The program’s asset paths supplement or replace statement income for Marietta borrowers whose wealth sits in accounts rather than in deposits, with retirement assets counted at a discount and foreign assets excluded.
What happens in the portfolio program’s largest bands and above them?
Above the portfolio program’s review line, a file is reviewed case by case before submission; above its top band, the bank portfolio program takes the balance to the ceiling on twelve months of statements at its own leverage cap, with adjustable structures, interest-only at a lower cap, cross-collateralization, and a departing residence accommodated. The snapshot shows where both lines sit.
Bring the statements. We will run the ladder.
Share the property, the statements you would use, and the equity you plan to bring; a Lendmire loan officer places the scenario on the ladder and follows up.
This guide covers Marietta — 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.
Also in Georgia: Atlanta · Sandy Springs · Stonecrest · Alpharetta · Super Jumbo DSCR Loans in Marietta · DSCR Loans in Marietta