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For high-earning professionals, RSUs (Restricted Stock Units) and bonuses can be a significant portion of total compensation. These income sources can boost your mortgage approval chances if used correctly. Understanding how to leverage them is essential, as lenders have specific guidelines for accepting non-salary income.
RSUs are shares awarded by employers as part of a compensation package, typically vesting over time. Lenders may consider them as qualifying income if:
To use RSUs as income, you may need to provide:
Internal Link: Learn more about non-traditional income mortgages
Bonuses can be counted as income if they are consistent and likely to continue. Lenders typically require:
Consistency is key, as large fluctuations may lead to a lower average income calculation.
Internal Link: Explore mortgage options for self-employed borrowers
Lenders use a conservative approach to ensure income stability, often averaging the last 2 years of RSU or bonus payouts. Here’s a typical approach:
Internal Link: Find out how to get a mortgage as a high-income earner
Lenders usually only count vested RSUs, as future grants are not guaranteed.
Yes, commission income may require even more extensive documentation to demonstrate consistency.
Find out how much you can qualify for today. Use our affordability calculator to estimate your buying power.
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Our advice is based on experience in the mortgage industry and we are dedicated to helping you achieve your goal of owning a home. We may receive compensation from partner banks when you view mortgage rates listed on our website.