Jumbo and Super Jumbo Bank Statement Loans | Forms 4506-T and 4506-C Not Required

This is an income documentation program for self-employed or retired

Asset Depletion Income

Asset Depletion is a feature that we can utilize to offset income ratio guidelines.

Bank Statements can also be utilized in lieu of traditional income documentation. This can be done under any loan program within this program's core product offering including the Super Jumbo program to 5 million. This loan is for borrowers that can't or chooses not to document their income but also have a considerable amount of liquid assets. The difference between this loan and a regular Bank Statement loan is the super jumbo loan amounts and the loan program flexibility, making it all-around easier to qualify for.

In this lending market, many highly qualified borrowers with strong credit and reserves aren't getting the mortgage loans they should.

Super Jumbo Loan Amounts to $5,000,000

Credit Scores: 660 Middle Credit Score, the Middle of the 3 Credit Scores or lower of 2

Property Types

  • Single Family Residence
  • Condo < 4 stories
  • 2-4 Units

Full Income Documentation pricing applies because this is considered a Full Doc loan program

Eligible Liquid Assets: CD's, Monet Market, Stocks, etc.

48-72 hour underwriting turn-time


Available in the following states:

Alabama, Alaska, Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Illinois, Minnesota, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, Wisconsin, and Wyoming.