RSU income deserves to be evaluated correctly.
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.
High earners whose compensation may not fit a standard bank model.
Make sure complex compensation
is evaluated correctly.
RSU income can be substantial, but it is not always evaluated consistently across lending channels — different lenders apply different calculation methods. 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. A 24-month vesting history may be required, along with a reasonable expectation of continued receipt, for that income to be averaged over the vesting period and projected forward.
RSU vesting schedule
Your most recent vesting schedule from your employer. Shows grant dates, vest dates, and quantities — used to calculate average annual income.
W-2s
Shows RSU income as reported on Box 12 or included in Box 1. Combined with pay records showing recent vesting events. A 24-month history may be required.
Brokerage statements
Confirms RSU shares received and converted to cash. Shows continuity of the income stream.
Employer confirmation
Written VOE (Verification of Employment) confirming continued employment and expected future grants where available.
Income calculation & loan sizing
Alex combines base W-2, averaged RSU, and bonus history into total potential qualifying income using the selected lender's calculation method.
More than just RSUs.
Complex W-2 earners often have multiple income streams. We count all of them.
RSU / Stock Awards
Restricted stock units averaged over 2-year vesting history and projected forward with continued-employment documentation.
Annual Bonus
Bonus income averaged over 2 years with employer letter confirming likelihood of continuation. Different lenders may apply different calculations to this income.
Base W-2 Salary
Standard salaried income — combined with all supplemental income types to arrive at total qualifying income.
Commission Income
2-year average of commission income with employer verification. Works for sales professionals, financial advisors, and real estate agents.
Investment Income
Dividend and interest income from brokerage accounts — documented via 2 years of 1099s and current statements.
Deferred Compensation
NQDC plan distributions, stock options, and other deferred income properly structured and documented for qualifying purposes.
Program DetailsWhat to expect.
RSU Documentation
- 2 years W-2s showing equity compensation
- Most recent vesting schedule
- Brokerage account statements
- Employer VOE confirming continued grants
Loan Amounts
- Conforming to 2026 baseline of $832,750 in most areas
- Higher limits up to $1,249,125 in eligible high-cost counties
- Jumbo loan amounts vary by lender and qualifying income
Property Types
- Primary residence
- Second home / vacation property
- Investment property (with income)
Income Requirements
- 24-month history of RSU receipt may be required
- Continued employment expected
- Vesting schedule must show future grants
Credit Requirements
- Minimum credit score varies by lender and program
- Higher credit generally supports better rates and terms on jumbo programs
- Reserve requirements vary by lender and loan size
Down Payment
- Down payment requirements vary by lender, loan size, and program
- RSU shares may be used as source of funds, subject to lender guidelines
Program guidelines vary by lender and are subject to change. All loans subject to underwriting and lender approval. Not a commitment to lend.
Frequently Asked Questions
Have questions about this program?
Alex reviews every file personally. Schedule a call and get direct answers.
Find out what you
may qualify for.
Send Alex your vesting schedule. He'll review potentially eligible income sources under applicable agency, lender, and investor guidelines.