“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
Relocation Mortgages For Employees On The Move
Moving for work comes with enough logistics. LendFriend Mortgage helps relocating employees simplify the financing with offer-letter qualification, support for RSUs and relocation benefits, competitive options across 40+ wholesale lenders, and remote closings built around the move.
Responsive Support. Reliable Execution.
A Transparent Mortgage Experience.
As a mortgage broker, LendFriend Mortgage works with over 40 wholesale lenders to compare loan programs instead of forcing borrowers into a single lender's products. We help you find the right fit, not just the easiest approval.
Why Relocating Employees and Transferees Choose LendFriend Mortgage
Moving to a new city for a career opportunity can be challenging enough. Buying a home should be the simple part, and with the right lending partner, it can be. LendFriend Mortgage helps relocating employees navigate new jobs, complex compensation, tight timelines and long-distance home searches while keeping the financing clear, competitive and on track from preapproval through closing.
With access to 40+ wholesale lenders, LendFriend can help borrowers qualify around the details that often come with a relocation, including offer-letter income, RSUs, bonuses, signing incentives and employer relocation benefits. We resolve those questions early, compare competitive loan options and stay closely involved through closing so the mortgage supports the move instead of becoming another source of stress.
Here is what sets our approach apart:
- Get preapproved before your first paycheck. A signed offer letter with a confirmed salary and start date may be enough to qualify before employment begins, helping you make a stronger offer as soon as you arrive in the new market.
- Use more of your compensation to qualify. Salary is only part of the picture for many executives and employees. Eligible bonuses, commissions, vesting RSUs and even pre-IPO equity may support qualification. Our RSU mortgage options can be especially valuable for employees whose total compensation significantly exceeds base salary.
- Access competitive rates and more loan options. We work across a broad wholesale lending network, giving relocating borrowers access to conventional, jumbo and flexible mortgage programs without being limited to one bank’s products or underwriting guidelines.
- Make employer relocation benefits work with the mortgage. Signing bonuses, relocation allowances and other employer-provided funds may be eligible for down payment or closing costs when properly documented.
- Closings built around the move. Most closings can be completed with a mobile notary or remote online notarization, and we close in as little as 10 business days when a lease expiration or start date demands it. You sign where you are and collect the keys when you land.
- Experience with complicated relocation files. Some clients come to LendFriend after another lender has trouble with a recent job change, equity compensation or unconventional income. Others come to us first because they want more options and a team that knows how to handle those issues from the beginning. LendFriend has funded more than $1.5 billion in home loans and earned 1,000+ client reviews.
Relocation Mortgage Resources
Financing a home in a city you do not live in yet takes more than a rate quote. Property taxes, closing customs, price points and the timing of your first paycheck all change how the loan should be structured. Buying in Austin on RSU income looks different than moving to Charleston on a signing bonus, transferring to Chicago with a home still to sell, or landing in South Florida ahead of the rest of the family.
LendFriend Mortgage helps relocating employees sort through those differences with Conventional, VA, Jumbo and Non-QM loan options, plus straight answers at every step. From the offer letter through closing, the goal is a loan structured correctly the first time, so the mortgage is never the reason a move slips.
Relocation Mortgages We’ve Closed for Employees on the Move
Every relocation looks a little different. Some borrowers are starting a new job, others have compensation tied up in RSUs or bonuses, and some simply need a larger mortgage in a new market. LendFriend works through those details early, finds the right lender and keeps the financing moving with the relocation.
Here are a few employees we’ve helped get home.
Company Relocates Team From Florida to Raleigh
A furniture company moved several employees from Florida to its new Raleigh headquarters, each with a similar relocation package and a start date within 60 days. We preapproved every employee before the move, documented the relocation funds for the down payment and closed the first purchase, a $485,000 home, before the movers arrived.
Facebook Employee Moves From Bay Area to Austin
A Facebook employee relocating from the Bay Area to Austin purchased a $1.3 million home before selling the California property. LendFriend used a bridge loan against the Bay Area home to free up the equity needed for the purchase, then secured the jumbo financing on the new Austin property so the employee could move on schedule without waiting for the first home to sell.
SpaceX Employee Buys $2.4M Home With 5% Down
A SpaceX engineer moving from Houston to Austin purchased a $2.4 million home with a $2.25 million mortgage, financing nearly 95% of the purchase price. We found a lender comfortable with both the high loan-to-value ratio and the employee’s RSU compensation, allowing the borrower to qualify without selling shares or making a significantly larger down payment.
Goldman Sachs Employee Transfers From NJ to Dallas
A Goldman Sachs employee transferring from northern New Jersey to Dallas had bonus income representing nearly half of total compensation, along with relocation funds available for the purchase. We documented the bonus history, sourced the relocation funds and closed a $1.1 million home in Preston Hollow before the employee’s start date.
Relocation Mortgage Options for Employees
Relocating borrowers do not all qualify the same way. LendFriend Mortgage works with 40+ wholesale lenders to help employees, executives, veterans, business owners and their spouses qualify using salary, bonuses, RSUs, assets, business income and other eligible compensation.
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Conventional Relocation Mortgages
A strong fit for many transferees and new hires, with competitive fixed and adjustable rates, flexible down payment options and financing for primary residences across the states we serve.
Jumbo Loans for Executives
For higher-value homes and larger loan amounts, jumbo financing can account for salary, bonuses, RSUs and other eligible compensation while offering competitive fixed and ARM options.
RSU Mortgages for Employees with Stock
Vesting restricted stock may count toward qualifying income without selling shares. The right lender can make a meaningful difference for employees whose total compensation extends well beyond base salary.
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VA Home Loans for Relocating Service Members
Eligible veterans and active-duty borrowers may qualify for up to 100% financing with no monthly mortgage insurance, including VA jumbo financing above the conforming loan limit.
Buy Before You Sell
Employees relocating before their current home is sold may be able to use a bridge loan to access existing home equity for the down payment on the new property. Move first and sell the previous home on your terms.
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Bank Statement Loans
When a spouse or partner owns a business and their income is needed to qualfiy, eligible bank deposits may be used to qualify instead of relying solely on tax-return income, helping the household buy without waiting for a more traditional income history.
Relocation Mortgage Solutions Across Key States
LendFriend Mortgage helps employees finance moves across the states where we are licensed, with Texas serving as our home base and one of our largest relocation markets. Whether the move involves a new job, a transfer, an executive package or a spouse with self-employed income, we can help match the borrower with the right financing for the new market.
Texas
Texas relocations span some of the country’s largest corporate markets, from Dell and Oracle in Austin, to Charles Schwab and AT&T in Dallas-Fort Worth, and ExxonMobil and Chevron in Houston. Our Texas home loan options help transferees finance the move with conventional, jumbo and more flexible income programs.
South Carolina
South Carolina continues to attract employees in aerospace, automotive, manufacturing and technology. We help transferees moving to Charleston for employers such as Boeing and Volvo, as well as Greenville-area employees at Michelin and other major companies, with South Carolina home loans built around the move.
Illinois
Chicago and the surrounding suburbs are home to major employers including United Airlines, McDonald’s, AbbVie and Abbott. Employees relocating for opportunities across the region can use our Illinois home loan options for conventional purchases, jumbo financing and more complex compensation.
New Jersey
New Jersey attracts employees across finance, pharmaceuticals, healthcare and technology, including professionals working with Merck, Johnson & Johnson, Prudential and Verizon. Our New Jersey mortgage options can account for salary, bonuses, RSUs and other eligible compensation common among higher-earning transferees.
Florida
Florida relocations stretch from Miami and Fort Lauderdale to Palm Beach, Tampa and St. Petersburg, with major employers including Royal Caribbean, Carnival, NextEra Energy and Raymond James. Our Florida home loans give relocating employees access to conventional and jumbo financing across the state.
Georgia
Atlanta is a major corporate hub for companies including Delta Air Lines, UPS, The Home Depot and Coca-Cola. Employees relocating to metro Atlanta and elsewhere in the state can explore our Georgia home loans, including conventional, jumbo and flexible financing options.
Tennessee
Tennessee has become an increasingly important relocation market, particularly around Nashville, where healthcare, technology, finance and corporate headquarters continue to bring in employees from across the country. Companies such as HCA Healthcare, Amazon, Oracle and Nissan have a major presence in the state, and our Tennessee mortgage options can help relocating employees finance conventional, jumbo and more complex income scenarios as part of the move.
Relocation Mortgage Expertise for Employees Moving for Work
Being headquartered in Austin puts LendFriend Mortgage inside one of the country’s most active corporate relocation destinations, and we finance transferees moving into Dallas, Houston, Charleston, Chicago, northern New Jersey, South Florida and Atlanta just as often. Different cities, price points and employer packages call for different financing strategies.
Relocating employees also skew toward tech workers, executives and specialists whose pay does not sit neatly inside traditional underwriting. RSUs, pre-IPO equity, signing bonuses, lump-sum relocation assistance, jumbo loan amounts and a start date that has not arrived yet all shape how the loan should be structured.
Our role is to review the full compensation picture early, coordinate with the employer or relocation team when needed, compare the available lenders and build a relocation mortgage strategy around the employee and the move. The goal is to make the mortgage fit the relocation package, timeline and compensation structure instead of forcing every file into whatever program the bank near the new office happens to offer.
This experience matters whether you are writing an offer in a city you visited once, refinancing after a fast purchase, or deciding what to do with the home you are leaving behind.
BORROWER TESTIMONIALS
See Why Borrowers Call Us the Best Mortgage Broker
From first-time homebuyers and business owners to jumbo borrowers and clients with complex income, see what borrowers across the country say about working with LendFriend Mortgage.
★★★★★
“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution. They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”
“I recently used LendFriend for my home purchase, and they were fantastic! The team was professional, responsive, and truly caring. They explained everything clearly, answered all my questions, and made the process smooth and stress-free.
What really sets them apart is their forward-thinking approach—they accept cryptocurrency holdings as proof of income/assets, which was a game-changer for me and made qualifying so much easier. Communication was excellent, they secured a great rate, closed on time with no hidden fees, and their online portal was super easy to use.
If you want a modern lender that puts you first, embraces crypto, and delivers results, choose LendFriend. I’ll recommend them to everyone—thank you for making my dream home possible!”
“As a 1099 worker with non-traditional income history, Eric was able to think outside the box and help me find a mortgage for my first home. The company was always problem-solving and the process was seamless. I have already recommended them to several other friends and colleagues. If you are a non-traditional borrower or are looking for someone that can come up with creative solutions, check out LendFriend!”
“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended. They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”
“LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more.”
“Financing a home with acreage and unconventional retirement income can be overwhelming, but LendFriend Mortgage made the process smooth from beginning to end.
They were always quick to respond, answered every question we had, and explained each step in a way that was easy to understand. We always had direct access to the people actually working on our loan, which made the experience much less stressful.
What really stood out was that even after the loan funded, they continued helping and making sure we understood the next steps. There was never a feeling of “the loan closed, good luck.”
We truly appreciated the patience, communication, and support through the entire process and would absolutely recommend LendFriend Mortgage, especially for anyone with a unique financial situation or rural property purchase.”
“Eric and his team went above and beyond to help us with our home purchase. Our realtor recommended LendFriend to us and we couldn't have been happier with the recommendation. They were so nice and answered every question we had no matter how insignificant it seemed.”
Learn More About Employee Relocations
Guides for employees who are moving for work and for the employers helping them: how to buy in a city you are still learning, how relocation funds count toward a down payment and how to structure a housing benefit so the lender can use it.
Relocation Mortgage FAQ for Employees Moving for Work
Can I get preapproved with an offer letter before I start the new job?
Yes. An executed offer letter with a defined salary and start date can support a full preapproval before your first paycheck, as long as the start date falls within the lender’s window, which is typically 60 to 90 days of closing. We confirm up front how many pay stubs the lender will want once you begin, so the letter you submit with an offer is a preapproval that holds up in underwriting.
Do my RSUs count toward qualifying for a mortgage?
With the right lender, yes. Vesting restricted stock units can be treated as income once there is a vesting history and a schedule of future vests, and the shares never have to be sold. Lenders differ widely on how much of the value they credit, so placement matters. Employees at public companies regularly use RSUs and stock grants to qualify for a larger home than salary alone would support.
What if my company is still private and my equity is pre-IPO?
Private-company RSUs are lender-specific. Some lenders will not count them as income because there is no public share price, while others evaluate the equity alongside salary, bonus history, tender offer proceeds, reserves and credit to support a stronger jumbo approval. Even when the shares are not counted as income, documented tender or secondary-sale proceeds can be used for the down payment and reserves. Our overview of RSU loan programs explains how the programs differ.
Can my signing bonus or bonus income help me qualify?
Usually. A signing bonus paid before closing can be documented as sourced funds for the down payment and closing costs, and annual bonus or commission income can count toward qualifying once there is a history of receiving it, typically two years. Different lenders weigh variable pay differently, so we place each file where it is treated most favorably. We explain how bonus income qualifies for a mortgage in our Learning Center.
Can employer relocation funds be used toward the down payment?
In most cases, yes. Lump-sum moving allowances, relocation packages and employer down payment assistance can be applied to the purchase when the funds come from an established company program, the terms are in writing and the money is traceable from the employer to you. Repayable employer loans are treated differently from grants. We walk through how employer relocation funds work for a down payment and coordinate with your relocation team when needed.
Can I close on the new home before I physically move?
Yes. Depending on the state, closings can be completed with a mobile notary or remote online notarization, so you sign from your current city and pick up the keys when you arrive. We cover what to expect from a remote closing so there are no surprises at the table.
How long does the mortgage process take for a relocating employee?
Most relocations follow the same arc: a same-day preapproval, a house hunt at your pace and a closing that averages just under 21 days once you are under contract. When a start date or lease expiration demands it, we close in as few as 10 business days. Every relocating employee gets a plain-English homebuying timeline up front so you know what happens each week.
Should I buy right away or rent first in the new city?
Either can work, and the answer usually turns on how well you know the market and whether your employer package covers temporary housing. Buying before the move locks in the neighborhood and avoids a second move, while renting first buys time at the cost of a second set of transaction dates. Our guide to buying a home when relocating for work lays out how to decide and how to shop a city you are still learning.
What does a typical corporate relocation package include?
Most packages combine a few pieces: a lump sum for move-related expenses, temporary housing while you house hunt, home sale assistance on the property you are leaving and, less often, direct mortgage assistance from the employer. The lump sum is the piece most likely to end up in a down payment, and it has to be documented the same way any other gift or sourced fund would be. We read the relocation letter early so the funds are usable by the time you are under contract.
I am selling my current home to relocate. What should I know about taxes?
Married homeowners can generally exclude up to $500,000 of gain on a primary residence they have lived in for two of the last five years, and a job-related move can qualify for a partial exclusion even when the two-year test is not met. How the sale proceeds are documented also affects the new purchase. Our guide to how high-net-worth buyers avoid capital gains tax covers the planning that happens before the listing goes up.
Should I use a mortgage broker or the bank near my new office?
A bank can only offer its own products at its own price, and a branch in your new city has no reason to understand a compensation package from another state. As a broker, LendFriend shops your loan across more than 40 wholesale lenders, which means better pricing, more flexible guidelines and a way to say yes on RSU income, a recent job change or a jumbo purchase. We lay out the full comparison of mortgage brokers versus banks in our Learning Center.