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
Leverage is read per occupancy, loan size, and credit tier from the matrix — the figure here is the best primary-residence cell, not the whole program.
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
A published credit floor for the smallest balances; the best leverage cells in every band require stronger credit, as the ladder table shows.
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.
Deposit-qualified financing at scale: that is the whole idea of a super jumbo bank statement loan in New Braunfels, TX. The statements carry the file; the ladder sets the leverage; the balance decides which program.
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 super jumbo bank statement loan in New Braunfels, TX 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
For a New Braunfels 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 New Braunfels 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 New Braunfels, 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 New Braunfels’ self-employed high earners buy — and how a lender reads the market.
These New Braunfels, 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.
Read the figures as backdrop. 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 New Braunfels submarkets, distinct appraisal stories.
Where a New Braunfels 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 condominiums
A condominium in New Braunfels is often the entry point for a high-balance second home; the association documents are underwritten alongside the deposits. Census estimates place about 1.4% of New Braunfels’ owner-occupied homes at a value of one million dollars or more — roughly 365 homes.
Lakefront estates
Waterfront property in New Braunfels prices at the top of the market; a high-balance file here usually carries the super-jumbo overlays and two appraisals, with reserves scaled to the balance. New Braunfels counts a population near 105K within the San Antonio-New Braunfels, TX area.
Estates on acreage
The estate lots around New Braunfels carry space premiums, and the file has to show the parcel stays inside the acreage limit for its loan band. About 10% of New Braunfels’ households earn two hundred thousand dollars a year or more — roughly 4,287 households at the top of the income distribution.
Boathouse and compound properties
Estate compounds on the shore near New Braunfels are valued as one property with several buildings; comparable sales are scarce and the appraisal review reflects it. Median household income in New Braunfels sits near $86,021, the middle of a distribution whose top end the program serves.
Golf and club communities
Club communities around New Braunfels bring dues, transfer rules and warrantability into the review, all read beside the statements before the leverage cell is confirmed. The median owner-occupied home value in New Braunfels runs near $339,400 on the latest Census estimate.
Second-tier and view lots
Second-tier property in New Braunfels is where high-balance files often land most comfortably — values clear the standard ceiling and the appraisal has support. Roughly 6,021 New Braunfels workers — about 11% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Read the submarkets as orientation. The file’s figures come from the statements, the appraisal, and the program matrix.
Four ways New Braunfels 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 New Braunfels, TX solve a specific set of problems for self-employed buyers.
Take cash out inside the cash-out ladder
A New Braunfels 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.
Qualify on assets instead of deposits
For New Braunfels 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.
Buy a primary residence above the standard ceiling
For a New Braunfels purchase that a standard bank-statement program cannot carry, the super jumbo path applies the same deposit math at a larger balance, with the primary-residence ladder setting the leverage.
Refinance out of a bank or bridge loan
Move a New Braunfels 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.
Size a New Braunfels 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 New Braunfels 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.
New Braunfels bank-statement qualifier
Seeded with New Braunfels’ 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 New Braunfels’ 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 New Braunfels, TX 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.
The everyday bank-statement loan: deposit-qualified, with its own leverage ceilings by occupancy and a balance limit most New Braunfels 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 New Braunfels.
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 New Braunfels 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.
These are the points a lender reads on a New Braunfels high-balance file before the leverage cell is confirmed; each one can move the structure.
Use these checks to keep the New Braunfels file clean and fundable.
A clean New Braunfels 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: 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 New Braunfels 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 New Braunfels 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 New Braunfels property is checked against the program’s property rules — unit count, warrantability, acreage, rural treatment, and occupancy limits.
Cash-out has its own ladder and a proceeds cap
Cash-out is available lower on the ladder than purchase; a New Braunfels file that wants more proceeds than the cap allows brings the leverage down or restructures.
Asset paths when deposits fall short
A New Braunfels 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.
From New Braunfels bank statements to a funded high-balance loan.
The path from New Braunfels 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 New Braunfels, 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
Lendmire computes the New Braunfels 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 New Braunfels, 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 New Braunfels, 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.
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
Lendmire reads the matrix for a New Braunfels balance before anything is ordered, so the equity and the structure are planned around the rung the file will actually land on.
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 New Braunfels, TX file before the lender sees it.
The right wholesale program
High-balance bank-statement ladders differ by program; Lendmire places a New Braunfels, TX file where its deposits, its credit tier, its occupancy and its property read best, subject to lender program eligibility.
Trusted by homeowners & investors alike.
New Braunfels super jumbo bank statement loan FAQs
The questions a New Braunfels, 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 New Braunfels?
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 New Braunfels home?
Cash-out has its own rungs and its own proceeds cap. A New Braunfels file inside the ladder can return cash at the band’s leverage; above the set leverage the proceeds cap applies.
Can I qualify on a profit-and-loss statement instead?
A profit-and-loss-only path exists on a primary residence at its own leverage cap, prepared by a CPA, enrolled agent or licensed tax preparer — never by the borrower — with a reduction when the preparer cannot confirm filings, and case-by-case treatment above the super-jumbo line.
What expense ratio applies to business statements?
The ratio is chosen from the program’s methods for the New Braunfels business, and it is the single biggest lever on the qualifying income after the deposits themselves.
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 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 credit score does a super jumbo bank statement loan require?
There are two answers: the floor for the band and the floor for the cell. A stronger tier buys more leverage inside the same band, which is why the calculator asks for the credit tier.
What does Lendmire do on a New Braunfels high-balance file?
Reads the balance against the matrix for the occupancy, chooses the statement method that reads the business most fairly, chooses the wholesale program whose ladder fits, packages the file — statements, credit, reserves, property — orders the appraisals the balance requires, and manages the lender’s review. Lendmire is the broker, never the lender.
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.
Ready to size a New Braunfels balance? Start with the deposits.
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 New Braunfels — 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: Cedar Park · Tyler · Waco · Wylie · Super Jumbo DSCR Loans in New Braunfels · DSCR Loans in New Braunfels