RSU MORTGAGES
Turn Your Stock Compensation Into Home Equity
Leverage Vested RSUs and Restricted Stock Units to Qualify for Better Rates and Higher Loan Amounts
Get Your RSU Mortgage Pre-Qualification
See how your vested RSUs can help you qualify for a better mortgage. Our experts specialize in tech compensation.
✓ Tech-savvy underwriters • ✓ Fast approval • ✓ Competitive rates
Why RSU Mortgages?
Higher Qualifying Income
Vested RSUs count as additional income, boosting your debt-to-income ratio and qualifying you for larger loan amounts.
Better Rates & Terms
With higher income qualification, you access better interest rates and more favorable loan terms.
Faster Approval
We specialize in tech compensation. Our streamlined process gets you approved quickly.
How RSUs Qualify for Mortgages
Time-Based RSUs
RSUs that vest on a predictable schedule (e.g., 25% per year for 4 years). Lenders prefer these because vesting is guaranteed.
- Minimum History
12 months of vested and distributed RSUs
- Future Vesting
Must show future vesting schedule extending forward
- Public Company
Must be from publicly traded company
Performance-Based RSUs
RSUs that vest only if specific goals are met. Lenders require longer history due to unpredictability.
- Minimum History
24 months of vested and distributed RSUs (12-24 with strong factors)
- Vesting Consistency
Must show consistent history of meeting performance targets
- Future Continuation
Must demonstrate ongoing grant practices and future awards
RSU Documentation Checklist
Required Documents
- RSU Grant Letters - Award details and vesting terms
- Vesting Schedules - Past and future vesting events
- Brokerage Statements - Proof of vested shares or cash distributions
- W-2s & Pay Stubs - Tax reporting and vesting activity confirmation
- Employer Verification - Confirmation of ongoing or future awards
Key Considerations
- Stock Volatility - We use conservative valuations to protect your qualification
- Employer Stability - Strong, established tech companies are preferred
- Tax Implications - We help you understand tax impact on your application
- Vesting Gaps - Irregular schedules may reduce lender confidence
- Private vs Public - Only public company RSUs are typically accepted
RSU Mortgage Qualification
Credit & Income
- •Credit Score: 620+ (better rates with 740+)
- •DTI Ratio: 43% or lower
- •RSU Income: 12-24 months history
- •Employment: 2 years stable employment
Down Payment
- •Conventional: 3-20% down
- •FHA: 3.5% down
- •Jumbo: 10-20% down
- •Reserves: 2-6 months PITI
RSU Valuation
- •Vested Only: Unrestricted shares count
- •Averaging: 12-24 month average used
- •Conservative: Stock price discounts applied
- •Stability: Employer financial health matters
We Specialize in Tech Compensation
Why Choose BankerBroker?
- RSU Experts
Our team understands tech compensation inside and out
- Multiple Lenders
Access to lenders who specialize in RSU mortgages
- Fast Turnaround
Quick approval process designed for tech professionals
- Transparent Pricing
No hidden fees, clear breakdown of all costs
Common Tech Companies We Work With
Alphabet Inc.
Apple
AAPL
Meta
Microsoft
MSFT
Amazon
AMZN
Tesla
TSLA
Netflix
NFLX
Nvidia
NVDA
Plus 100+ other public tech companies