For eligible borrowers, RSU income may be used to qualify for a mortgage when properly documented. Qualifying income, loan amounts, and program availability are subject to lender guidelines and underwriting approval.
RSU income can be substantial, but it is not always evaluated consistently across lending channels. When vesting history, continuity, and documentation support it, certain lenders may allow that income to be considered more fully in the qualification process.
Fannie Mae and Freddie Mac both allow RSU income to be counted when properly documented. The key is the vesting schedule: if you've received RSUs for 2+ years and are expected to continue receiving them, that income counts — averaged over the vesting period and projected forward.
— Daniela S., Tech Director, Brickell FL. Individual results vary based on financial profile, loan program, and market conditions.
Your most recent vesting schedule from your employer. Shows grant dates, vest dates, and quantities — we use this to calculate average annual income.
Shows RSU income as reported on Box 12 or included in Box 1. Combined with pay stubs showing recent vesting events.
Confirms RSU shares received and converted to cash. Shows continuity of the income stream.
Written VOE (Verification of Employment) confirming continued employment and expected future grants where available.
Alex combines base W-2 + averaged RSU + bonus history into total qualifying income. You'll see the real number — often significantly higher than your bank offered.
Complex W-2 earners often have multiple income streams. We count all of them.
Restricted stock units averaged over 2-year vesting history and projected forward with continued-employment documentation.
Bonus income averaged over 2 years with employer letter confirming likelihood of continuation. Not excluded the way banks often treat it.
Standard salaried income — combined with all supplemental income types to arrive at total qualifying income.
2-year average of commission income with employer verification. Works for sales professionals, financial advisors, and real estate agents.
Dividend and interest income from brokerage accounts — documented via 2 years of 1099s and current statements.
NQDC plan distributions, stock options, and other deferred income properly structured and documented for qualifying purposes.
Program guidelines vary by lender and are subject to change. All loans subject to underwriting and lender approval. Not a commitment to lend.
Alex reviews every file personally. Schedule a call and get direct answers.
Send Alex your vesting schedule. He'll calculate your full qualifying income — including every income type your bank missed — same day.