Super Jumbo Bank Statement Loans & High-Balance Self-Employed Financing
Super Jumbo Bank Statement Loans & High-Balance Self-Employed Financing
Loan Program

Super Jumbo Bank Statement Loans & High-Balance Self-Employed Financing

Super jumbo bank statement loans for self-employed borrowers — high-balance home financing qualified on twelve or twenty-four months of bank deposits instead of tax returns. Purchase, refinance, or take cash out of a primary residence, second home, or investment property above the standard program ceiling, with interest-only, forty-year, and asset-based paths, in the sixteen states where Lendmire is licensed for consumer lending.

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The Fundamentals

How Super Jumbo Bank Statement Loans Work

A super jumbo bank statement loan is home financing for self-employed borrowers carried past the balance where standard bank-statement programs stop. The lender reads twelve or twenty-four months of personal or business statements: eligible deposits divided by the months, after the ownership share and any expense ratio, become the qualifying income. That income, the occupancy, the loan size and the credit tier select a cell in a leverage matrix: a primary residence carries the highest leverage in the smallest band, a second home or investment property starts a rung lower, and every larger band steps down. Tax returns are not part of the qualification.

Two programs share the ladder. A portfolio non-QM program carries the lower and middle bands, with interest-only and forty-year structures and asset-based paths for borrowers who qualify on liquidity, and reviews its largest balances case by case before submission; above its top band, a bank portfolio program continues the ladder to the ceiling on twelve months of statements at its own leverage cap, with cross-collateralization and a departing residence accommodated. Lendmire brokers super jumbo bank statement loans through a wholesale network of lenders in the sixteen states where it is licensed for consumer lending and places each file where its deposits, its occupancy, its credit tier, and its property read best.

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Program Options

Super Jumbo Bank Statement Financing Options

Purchase, rate-and-term refinance, or cash-out — each read from the same occupancy ladder, with cash-out on its own rungs, the portfolio program’s largest balances reviewed case by case before submission, and the top of the ladder carried by the bank portfolio program.

Most Popular

Super Jumbo Bank Statement Purchase

Balances to $20M, with leverage to 90% on a primary residence at the first rung of the ladder and stepping down by band and occupancy, qualified on 12 / 24 months of deposits. Interest-only and forty-year structures available through select programs.

Exit the Bank Loan

Rate-and-Term Refinance

Move a high-value home out of a bank portfolio loan, a bridge loan, or a loan the tax returns could not support into a deposit-qualified loan at the band’s leverage — documented with the statements and measured inside the 50% debt-to-income cap.

Recycle Equity

Super Jumbo Bank Statement Cash-Out Refinance

Cash-out on its own ladder by occupancy and band, with proceeds above sixty percent leverage capped at $1.5M on the portfolio program and no published cap on the bank portfolio program. The overlays are read before the cell is confirmed, and the largest balances move to the bank program.

Super jumbo bank statement loans are non-QM consumer mortgage programs, licensed in sixteen states. Leverage is read from a matrix of occupancy, loan size and credit tier; credit floors, statement methods, reserves, and appraisal requirements vary by lender and by balance and are subject to lender program eligibility and full underwriting. Nothing on this page states or implies a rate, a payment, a fee, or a lender; Lendmire is a mortgage broker and never the lender.
Why Lendmire

Super Jumbo Bank Statement Loans for Self-Employed Borrowers

High-balance bank-statement lending is where a generalist stumbles. The programs that carry a self-employed borrower past the standard ceiling differ on their ladders, on the expense methods they accept, on the overlays that begin above the super-jumbo line, and on where the bank portfolio program takes over — and the wholesale lenders that handle very large self-employed files competently are a shorter list than the ones that say they do. Lendmire built its practice on borrowers whose tax returns understate their income, which means knowing which program opens the best cell for a given occupancy, loan size and credit tier, which statement method reads a business most fairly, and where two appraisals become routine.

That specialization shows in execution: the balance placed on the ladder before anything is ordered, the deposits counted the program’s way before the lender sees them, reserves counted in months of the full payment, the property type checked against its own cell, and cash-out structured inside its proceeds cap — subject to lender program eligibility. A founder’s first high-value home is decided on the same three things as any other file — the deposits, the credit tier, and reserves — with the statements read more closely, because the number they support is larger.

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Program Highlights

Super Jumbo Bank Statement Loan Requirements

Bank Deposits, Not Tax Returns
Income is the eligible deposits over 12 / 24 months, after the ownership share and the expense ratio — personal statements at full value, business statements by a fixed ratio, an accountant’s letter, a profit-and-loss statement, or deposits less withdrawals. No tax returns, and W-2 or fixed income may be added.
A Ladder by Occupancy and Size
Leverage steps down by loan-size band from 90% on a primary residence at the first rung; second homes and investment property start a rung lower; the bank portfolio program carries the largest bands to $20M. Overlays begin above $3.5M on a primary residence and $3M otherwise.
660+ Credit · 50% DTI
A published credit floor of 660 at the lower rungs, rising on the bank portfolio program and above the super-jumbo overlay line; a 50% debt-to-income cap; reserves of 3–9 months by loan size, more with each additional financed property, measured on the full housing payment.
Interest-Only, Forty-Year & Asset Paths
Interest-only through select programs at 85% leverage, a forty-year structure with a ten-year interest-only window, and asset-allowance and assets-only paths for borrowers who qualify on liquidity. The portfolio program carries balances to $6M, reviewed case by case above $4M.
Also Consider

Programs worth comparing.

If the balance sits inside the standard ceiling — or the property is a leased rental whose rent should carry the file — these may fit better.

Inside the Standard Ceiling

Bank Statement Loan

The standard deposit-qualified structure: the same statement math with the highest leverage in the lower bands and a ceiling most homes never approach. The cleaner fit when the balance does not need the super jumbo ladder.

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Leased Rentals

Super Jumbo DSCR Loan

For a high-value investment property the rent should carry, the super jumbo DSCR program qualifies on the property’s income instead of the owner’s deposits — business-purpose investor financing.

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Full Documentation

Jumbo Loan

For a borrower whose tax returns do support the income, a full-documentation jumbo loan is the conventional path for a high-value home.

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Learning Center

Financing a High-Value Home on Bank Statements

Super jumbo bank-statement underwriting guides, statement-method explainers, ladder and reserve notes, and self-employed financing strategies from our licensed loan officers.

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Take the Next Step

Tools to move from reading to action.

Tool One

Bank-statement qualifier

Every state and city guide carries a bank-statement qualifier seeded with that market’s figures — occupancy, price, equity, credit tier, and deposits in; qualifying income, the leverage cell, and the housing budget out. No rate, no payment.

Choose a market Tool Two

Get a quote

Start a high-balance scenario review in about a minute. A Lendmire loan officer places the balance on the ladder and follows up to match the right wholesale program.

Start Tool Three

Browse programs

See every loan program Lendmire offers — from bank statement to DSCR to jumbo — and find the right fit.

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Get Started

Check your super jumbo bank statement options in about a minute.

Review financing available for your high-value home purchase or refinance. No credit pull, no commitment.

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All State Markets

Super jumbo bank statement loans, state by state.

Consumer mortgage lending licensed in sixteen states. Choose a state for its super jumbo bank statement guide and the city pages beneath it; every page reads the same ladder from one source.