How RSU Income Can Boost Your Homebuying Power
If you’re a professional in tech, chances are your compensation includes more than just a base salary. Restricted Stock Units (RSUs) are a common part of compensation packages at many publicly traded companies; however, lenders often restrict their use as qualifying income. Fortunately, here’s how you can put your RSUs to work and potentially qualify for more home than you thought possible.
Verify your mortgage eligibility (Jul 16th, 2025)What Are RSUs?
RSUs are company shares that vest over time, typically granted as part of your employment agreement or annual bonuses. Once vested, they become a form of income either as shares or as their cash value when sold.
Can RSU Income Really Help Me Qualify for a Home Loan?
Verify your mortgage eligibility (Jul 16th, 2025)Yes, but there are a few key requirements.
Lenders look for:
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- A consistent history of RSU income (typically 24 months)
- A vesting schedule that shows RSUs will continue to vest for at least 3 years
- Stock that is publicly traded in the U.S.
If these criteria are met, your RSU income may be added to your qualifying income, which could significantly improve your homebuying power.
Verify your mortgage eligibility (Jul 16th, 2025)5 Ways RSUs Can Increase Your Homebuying Power
- Make your offer more competitive in high-demand markets
- Bridge the gap between your base salary and actual earnings
- Unlock more home options in desirable neighborhoods
- Leverage your full compensation package for better loan terms
What Kind of Documentation Do Lenders Need?
A mortgage advisor experienced with RSU income can help you gather and review which documents you need to provide.
Verify your mortgage eligibility (Jul 16th, 2025)Why This Matters for Tech Professionals
You’re likely hitting your career stride and building meaningful equity through RSUs. But if your lender only looks at your base salary, you may not get credit for the full financial picture. That’s why it’s critical to work with someone who understands how to use RSU income strategically in the loan approval process.
Don’t Leave Money on the Table
Verify your mortgage eligibility (Jul 16th, 2025)Your RSU income could mean a bigger home, a better neighborhood, or simply more confidence when making an offer. But using it the right way requires planning and documentation.
If you receive RSUs and want to explore how they could increase your homebuying power, connect with one of our mortgage brokers. A quick review of your income and vesting schedule could open doors you didn’t know were available.