Use RSU Income To Qualify For a Jumbo Loan

Yes—many lenders will count vested RSU income as qualifying income, especially if you've received consistent stock grants for 1–2 years. At LendFriend, we work with lenders who understand RSU compensation and know how to document it properly.

Yes, but private company RSUs are reviewed on an exception basis and are not treated the same way as RSUs from a publicly traded company. Because there is no daily public market price, lenders need to evaluate the strength of the company, the reliability of the valuation, the vesting schedule, and the likelihood that the equity can reasonably support the loan request.

Employees at strong private and pre-IPO companies may have more mortgage options than they realize. When RSUs are supported by a credible company valuation, meaningful investor backing, secondary market activity, tender offer history, or a clear path toward future liquidity, certain lenders may be willing to include them as part of the borrower’s overall qualification profile.

Private company RSUs require a more specialized review than publicly traded RSUs, but that does not mean they should be ignored. For borrowers with strong credit, stable employment, sufficient reserves, clean documentation, and equity from a well-capitalized private company, RSUs can sometimes help strengthen the loan file and expand what may be possible.

Most lenders average your vested RSU income over the past 24 months using pay stubs, W-2s, or tax returns. In some cases, we can use your grant schedule or employer compensation letter to support a shorter income history.

Absolutely. You can blend your income and RSU together. We specialize in working with clients whose wealth is tied up in equity—not just W-2 income. Our lenders often treat RSU income similarly to asset depletion, helping you qualify based on your full financial picture.

Typically, unvested RSUs aren't counted as income—but if you have a signed offer letter or upcoming grant schedule, we may be able to use that as supplemental documentation. We’ll review everything upfront to give you a clear path forward.

No. In some cases, we can help you qualify by treating RSUs as assets rather than income. This strategy can help avoid capital gains events while still leveraging your equity.

It can, depending on timing and documentation. That’s why it’s important to work with a lender like LendFriend who understands the RSU timeline and can help you plan the sale (or avoid it altogether).

Most RSU mortgage programs require a credit score of 700 or higher—but every file is different. We’ve helped clients with complex income or credit profiles get approved by presenting their equity story the right way.

RSU mortgages rely on whatever loan program you are utilizing (VA, conventional, jumbo, non-QM). Typically, lenders will require using a down payment of at least 10% when using RSU income on a jumbo loan, although if you are going convention you can put as little as 3-5% down.

Most lenders evaluate RSU income by reviewing at least two years of vesting history, employer verification, and supporting documents like grant schedules and tax returns. Some use historical averages, while others project income based on current stock values. This process helps determine how much of your equity compensation can count toward qualifying for a home loan.

Borrowers with RSU mortgage options can choose from conventional loans, jumbo mortgages, portfolio lending, or non-QM programs. Each program evaluates stock-based income differently depending on vesting schedules and financial goals. The right option allows tech professionals to match their equity compensation with the most favorable lending terms.

Some lenders consider a percentage of unvested stock when reviewing RSU loan programs, provided there is strong documentation such as grant schedules and employer verification. Vested shares carry more weight, but specialized programs expand flexibility by allowing both types to support mortgage qualification for tech employees and executives.