Current super-jumbo bank-statement guidelines, updated from one source.
The current program figures below are hydrated from Lendmire’s super-jumbo bank-statement standards source at each visit, so the ladder shown for Savannah, GA is 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 every band above steps down.
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.
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.
For Savannah, GA borrowers, the program is best understood as a table rather than a number: each occupancy has its own ladder, each loan-size band has its own leverage and credit cells, and two programs share the work.
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
In Savannah, GA, the file is built on statements: consecutive, recent, with transfers between the borrower’s own accounts and unusual deposits excluded, and a limit on returned items in the window. The deposits are the whole income case.
Leverage is a ladder by occupancy and size
The ladder is the program: as a Savannah, GA balance climbs from one band to the next, leverage steps down and the credit required for the top cell rises. Planning the equity around the band is the first structural decision.
Credit, reserves and overlays rise with the balance
The program reads credit twice for a Savannah 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 Savannah, 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 Savannah’s self-employed high earners buy — and how a lender reads the market.
These Savannah, 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.
Citywide figures provide general market context, not an appraisal or an income calculation. 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 Savannah submarkets, distinct appraisal stories.
Savannah’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.
Inland estates and acreage
Away from the water in Savannah, larger parcels and outbuildings bring acreage and use questions the appraisal has to answer, with the acreage cap tightening as the balance climbs. Median household income in Savannah sits near $57,137, the middle of a distribution whose top end the program serves.
Second-row and view lots
A row or two back from the water, Savannah homes give up some value and keep most of the lifestyle, which usually produces a cleaner loan-to-value and an easier appraisal at the same balance. The median owner-occupied home value in Savannah runs near $248,900 on the latest Census estimate.
New construction and rebuilds
Where Savannah is rebuilding its older streets into new estates, the lender’s question is valuation support — recent sales of similar new product — before leverage is discussed. Census estimates place about 2.9% of Savannah’s owner-occupied homes at a value of one million dollars or more — roughly 773 homes.
Gated and club communities
Behind the gates in Savannah, buyers pay for amenities and privacy, and the file has to show that the dues fit the ratio and the community’s documents pass review. About 6.0% of Savannah’s households earn two hundred thousand dollars a year or more — roughly 3,508 households at the top of the income distribution.
Waterfront and first-row homes
Along the water in Savannah, values run highest and the appraisal is the long pole; the deposits qualify the borrower, the appraisal qualifies the price, and the ladder sets the leverage between them. Savannah counts a population near 148K within the Savannah, GA area.
Luxury condominiums and towers
A condominium in Savannah is often the entry point for a high-balance primary or second home, and the building’s financials are underwritten beside the borrower’s deposits. Roughly 6,897 Savannah workers — about 10.0% of the workforce — work for themselves, the borrowers bank-statement programs exist for.
Market context only. The leverage cell for a Savannah file comes from the matrix for its occupancy, loan size and credit tier, never from the submarket.
Four ways Savannah entrepreneurs put super-jumbo bank-statement financing to work.
The same deposit-qualified structure serves several purposes at high balances in Savannah, GA; four of the most common are below.
Qualify on assets instead of deposits
A Savannah 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
A primary-residence purchase above the standard ceiling in Savannah, GA qualifies on the statements; the equity is sized to the band, and the appraisal work scales with the price.
Finance a second home on the same statements
Second-home financing in Savannah, GA 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.
Move with a departing residence
A relocating Savannah, GA 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.
Size a Savannah bank-statement file before requesting a quote.
Test a Savannah 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.
Savannah bank-statement qualifier
Illustrative Savannah inputs; the calculator re-reads the matrix on every change.
Illustrative starting assumptions: a $1,250,000 price set above Savannah’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 Savannah, 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.
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 Savannah homes never approach — the super jumbo path begins where it stops. 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 Savannah.
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 Savannah 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.
A super jumbo bank statement file in Savannah, GA is won or lost on details a standard file rarely meets: the occupancy ladder, the statement method, the overlays above the line, the program hand-off, the property type.
Use these checks to keep the Savannah file clean and fundable.
Settle the occupancy, the statement method, the band, and the property’s eligibility before the appraisal is ordered; a Savannah file that clears these reads cleanly.
- Know the rung: plan the equity around the rung, not the value.
- 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 Savannah 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 Savannah 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 Savannah, GA 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 Savannah, GA 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.
Reserves scale with the loan size
On a Savannah, GA file, reserves follow the balance and the portfolio: the larger the loan and the more properties financed, the more liquid assets must be verified after closing.
From Savannah bank statements to a funded high-balance loan.
Lendmire runs a Savannah high-balance file in a set order: place it on the ladder, count the deposits, appraise it, close it.
Place the balance
Every Savannah 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 Savannah 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 Savannah, GA file is packaged in parallel — statements, credit, reserves, property — in the order the lender reads it.
Close and fund
The Savannah loan closes once underwriting confirms the income at the chosen method and the ratio inside the cap, with reserves verified.
A brokerage built around self-employed borrowers.
Placing a Savannah 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 Savannah 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 Savannah business most fairly and packages the statements to support it.
The right wholesale program
A Savannah 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.
Savannah super jumbo bank statement loan FAQs
Program-level answers to the questions Savannah 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 Savannah?
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; each larger band steps down. 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 Savannah 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 Savannah 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.
How long do I need to have been self-employed?
Two years is the standard; the alternatives exist for owners who changed structure or field recently and can document it.
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.
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.
What is the rate on a super jumbo bank statement loan?
No rate is published on these pages; it depends on the leverage cell, the occupancy, the credit tier, the structure, and the program. The calculator on this page quotes no rate and no payment; a scenario review produces the terms.
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.
Does the program finance investment property?
Yes, on the investment ladder, with title in an entity accommodated subject to lender program eligibility, a prepayment structure on investment occupancy, a short-term rental balance cap, and longer reserves for a first-time investor. A rental whose rent should carry the file may fit the super jumbo DSCR program better.
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.
Place your Savannah scenario on the ladder today.
Start with the occupancy, the deposits, and the balance you have in mind. No credit pull or commitment is required to request an initial scenario review.
This guide covers Savannah — 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: Jekyll Island · Warner Robins · Johns Creek · Marietta · Super Jumbo DSCR Loans in Savannah · DSCR Loans in Savannah