“Highly recommend Eric and Team!! Very smooth and straightforward the whole way through — especially with our complicated RSU comp. The team had zero issues navigating this.
Their communication was excellent, they laid out a clear timeline upfront and actually stuck to it, and everything just flowed without any headaches.
This has been the least stressful mortgage experience we have had. Thank you!”
RSU Mortgages in Texas For Employees With Stock Compensation
LendFriend Mortgage helps employees of Texas public companies and late-stage private companies use vested RSU income and equity compensation to qualify for a home loan in Austin, Houston, Dallas, and across Texas. Jumbo and Non-QM options up to $10 million for tech, energy, and executive borrowers.
How RSUs Help Texas Employees Qualify for a Mortgage
Texas is home to a growing list of public companies that pay a large share of total compensation in restricted stock units, from Tesla and Oracle in Austin to ExxonMobil and Chevron in Houston and AT&T and Texas Instruments in Dallas. LendFriend Mortgage helps those employees, along with executives and founders across the state, turn RSU income, stock grants, and equity compensation into a clean mortgage approval. We know how lenders document RSU income and which ones give equity-based pay full credit.
Here is where RSUs strengthen a Texas mortgage file:
Higher qualifying income: Vested RSU income documented through pay stubs, W-2s, vesting schedules, grant agreements, and tax records adds to the income lenders count. For buyers in higher-priced Texas markets like Austin and Dallas, that added income is often what makes the purchase price work.
Flexible down payment source: Vested shares can fund your down payment, closing costs, or reserves. Whether you sold stock months ago or plan to sell vested shares before closing, we build the paper trail so the funds are sourced and lender-ready.
Improved debt-to-income ratio: Counting RSU income alongside base salary lowers your debt-to-income ratio. We present every income source clearly so eligible equity income is credited correctly instead of being discounted.
More loan options: Many banks take a narrow view of RSU income. As a mortgage broker, LendFriend compares dozens of lenders that credit RSU income for Texas borrowers, including files with bonuses, commission income, and pre-IPO equity.
Most lenders still do not fully understand RSUs. We do. From Austin and Houston to Dallas and San Antonio, we help Texas employees turn stock-based compensation into a confident path to a Texas jumbo loan or conventional mortgage approval.
Stronger Negotiating Position when Buying a Home
The equity in your current home is unlocked and used as a downpayment on your new home; meaning no sales contingency required! Sellers HATE sales contingencies. Without a sales contingency, your offer is stronger, increasing your chances of buying your next home with ease.
Get the Highest and Best Sale Price
Without feeling pressured to sell quickly, you can wait for the best offer on your current home. List your home at the best time, market it effectively, and attract more competitive offers. With no rush, you can negotiate better terms and get the highest selling price.
Reduced Stress
Don't worry about finding temporary housing or organizing multiple moves. Avoid the chaos of having to coordinate the sale of your current home and the purchase of a new one. Transition seamlessly from one home to another and reduce stress or anxiety, making the moving process more manageable and organized.
Time for Improvements
Make necessary renovations or updates to your new property before you move in. Painting, remodeling, or other improvements would be more challenging if you were already living there. Moving into a freshly updated home (instead of living in it during renovations) is just so much nicer!
Texas Jumbo Mortgage Wins Using RSU & Equity Income
When traditional banks do not give RSU income, stock grants, or pre-IPO equity full credit, we help Texas tech employees, executives, and founders close jumbo mortgages anyway. These files take more than a standard approval. We document complex compensation, find the lenders that count eligible equity income, and build a loan profile that closes high-value purchases in Austin, Houston, Dallas, Westlake, and beyond. Names and identifying details have been changed for privacy.
SpaceX Employee Buys a $2.7M Austin Home With Private Stock
A SpaceX employee buying a $2.7M home in Austin with a $2.4M jumbo loan was turned down by several banks because the SpaceX equity had not traded publicly for a full year. LendFriend placed the file with a lender that reviewed the private company shares alongside compensation history, liquidity, and reserves instead of excluding them. The borrower closed on the Austin home using stock other lenders had rejected.
Databricks Employee Buys a Dallas Second Home With Pre-IPO Stock
A Databricks employee was buying a $1.6M second home in Dallas with a $1.44M jumbo mortgage at 90% LTV, and the obstacle was using pre-IPO equity on a high-LTV second home purchase. LendFriend matched the file with an investor that accepts eligible pre-IPO stock at 90% LTV on a Dallas second home. The loan closed as a jumbo mortgage structured around that equity.
Meta Employee Relocates to Westlake and Closes a $2M Home in 14 Days
A Meta employee moving from San Francisco to Westlake was buying a $2M home with $400K down and needed a lender that would underwrite RSU income correctly and close fast. LendFriend documented the RSU income cleanly and chose the right lender on day one. The borrower closed on the Westlake home in 14 days on traditional RSU income.
ConocoPhillips Executive Buys a $2.6M Houston Home on a Recent Equity Grant
A ConocoPhillips executive was buying a $2.6M home in Houston with a $2.1M jumbo loan after receiving a large equity grant that had not vested, and most lenders would not count it without a vesting history. LendFriend found a lender that evaluated the full compensation package, grant documentation, income trajectory, liquidity, and overall financial strength. The borrower was approved on the Houston home with no vested equity history.
Want to use your RSUs to buy a home in Texas?
Talk to Us About Your Options Today!
Why Texas Tech and Energy Employees Trust LendFriend
LendFriend is an Austin-based mortgage broker that has helped hundreds of Texas professionals qualify with RSU income, whether they work for a Texas-headquartered company or relocated here with equity from an employer on the coasts.
We work with engineers, product managers, energy executives, finance professionals, and leadership teams at Texas public companies including:
Austin
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Tesla
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Oracle
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Dell Technologies
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Bumble
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Apple
Houston
ExxonMobil
Chevron
ConocoPhillips
Hewlett Packard Enterprise
Halliburton
Dallas-Fort Worth
AT&T
Texas Instruments
Charles Schwab
Southwest Airlines
Match Group
Most lenders still qualify borrowers on guidelines written for a W-2 paycheck. They want 2 years of tax returns, clean pay stubs, and income that fits a standard box, which leaves Texas employees with valuable equity compensation short of the home they can afford.
LendFriend takes a more current approach. We use RSUs for mortgage qualification, for the down payment, or both, whether the shares come from a publicly traded Texas employer or a select pre-IPO company where equity is a major part of total pay.
Employees relocating to Texas from companies like Databricks, Anthropic, Stripe, and Ramp have bought homes in Austin, Dallas, and Houston with our help using pre-IPO stock. Vested, vesting, publicly traded, or tied to a late-stage private company, we structure the loan around your full financial picture rather than a single pay stub.
Documents We Use to Verify RSU Income in Texas
Lenders that credit equity compensation still expect a clean paper trail. Gathering these items before you write an offer shortens underwriting and keeps a Texas closing on schedule:
- Grant agreements and the current vesting schedule
- 2 years of W-2s plus recent pay stubs that show vested shares as income
- Brokerage or equity-plan statements confirming share counts and current value
- An employer letter that covers your role, pay structure, and expected future grants
- Sale confirmations and account statements when shares fund the down payment
For pre-IPO equity, add a recent 409A valuation, tender offer or secondary sale records, and any liquidity timeline the company has shared with employees.
RSU Mortgages Across Texas
LendFriend helps employees with stock compensation qualify for a home loan in every major Texas market, with a lender lineup built around equity-based pay.
In Austin, we work with Tesla, Oracle, Dell, and SpaceX employees, plus relocating tech workers, who want their qualifying income to reflect vested stock rather than base salary alone. Purchases in Westlake, Lakeway, and Round Rock regularly depend on that income being counted in full.
In Houston, RSU income shows up in energy and engineering compensation at ExxonMobil, Chevron, ConocoPhillips, and Hewlett Packard Enterprise. We document executive grants, performance shares, and vesting schedules so buyers in The Woodlands, Sugar Land, and Katy get full credit for that income.
Across Dallas-Fort Worth, AT&T, Texas Instruments, Charles Schwab, and Southwest Airlines employees use vested RSUs for qualifying income and down payment funds on homes in Highland Park, Plano, Frisco, and Southlake.
We also help RSU-compensated borrowers in San Antonio, Fort Worth, and the Hill Country, including buyers with recent grants, short vesting histories, or pre-IPO equity, and we pair them with 10% down jumbo loan options when the price sits above the conforming limit.
RSU income can support primary residences, second homes, and investment properties in Texas, along with purchases, rate-and-term refinances, and cash-out refinances.
Keep Your RSUs. Buy The Texas Home. Skip The Capital Gains Tax
Plenty of Texas RSU holders have wealth concentrated in equity rather than base salary. With millions in vested shares and a comparatively modest W-2, most banks say the file does not qualify.
We see that file differently.
Rather than selling shares and triggering capital gains, you can often use your RSU balance as a qualifying asset, the same way we structure asset depletion loans. The stock stays invested, your position stays intact, and you still qualify for the home.
The structure fits:
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Early employees at Texas companies approaching an IPO
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Executives whose pay is weighted toward equity
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Anyone whose liquid wealth sits in stock rather than cash
We pair you with lenders that understand modern compensation and build the file to reflect your real financial picture.
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BORROWER TESTIMONIALS
See Why Borrowers with RSUs Choose LendFriend Mortgage
See how employees with stock compensation, complex income, and nontraditional pay structures have worked with LendFriend Mortgage to secure financing with less stress and more certainty.
★★★★★
“John and team were very helpful. What could be an overly complicated process was quite simple with LendFriend.”
“LendFriend Mortgage delivered exceptional service to my husband and I with competitive rates, low fees, and a smooth, stress-free process.
Their team was professional, responsive, and incredibly knowledgeable, helping us first time home-buyers navigate everything for a conventional loan.
If you want a mortgage broker that’s trustworthy, efficient, and genuinely committed to your success, LendFriend is an outstanding choice.”
“Eric and his team were incredibly helpful and communicative throughout the lending and refinancing process, and made me feel very supported. Will definitely go back to them in the future.”
“Eric and his team at LendFriend were incredible. They helped us lock in a competitive mortgage rate and were super responsive — even on holidays!
Thanks to their speed and support, we were able to secure our dream home the same day it was listed.
I can’t recommend them enough. Really a great experience from start to finish!”
“We loved how nice and professional all of them are! They gave us the right information and orientation that we needed on every step! Thanks a lot!”
FAQs: How RSU Income Mortgages Work in Texas
Does RSU income count toward a mortgage in Texas?
Yes. Vested RSU income counts as qualifying income with most lenders once you have a consistent grant history, usually 1-2 years. LendFriend works with lenders that know RSU compensation and document it correctly for Texas buyers.
Can pre-IPO RSUs from a private Texas company help me qualify?
Yes, with a more specialized review. Private company RSUs are handled as exceptions because there is no public share price, so lenders weigh the company’s strength, the valuation, the vesting schedule, and how likely the equity is to support the loan.
When the shares are backed by a credible valuation, strong investors, tender offers, or secondary sales, certain lenders will count them in the borrower’s overall profile. Combined with solid credit, stable employment, reserves, and clean documentation, pre-IPO equity can strengthen a Texas loan file rather than sit on the sidelines.
How is RSU income calculated for a Texas mortgage?
Lenders generally average vested RSU income over the past 24 months from pay stubs, W-2s, or tax returns, supported by employer verification and grant schedules. Some use the historical average and others project income from the current share price. A grant schedule or employer compensation letter can support a shorter history in some cases.
My base salary is low but I hold a lot of RSUs. Can I still qualify?
Yes. Salary and RSU income are blended together, and a large vested balance can be treated much like an asset depletion loan. We specialize in Texas borrowers whose wealth is in equity rather than W-2 income and qualify them on the full financial picture.
Do unvested RSUs help me qualify for a Texas home loan?
Usually unvested shares are not counted as income, but some RSU loan programs credit a percentage of unvested stock when grant schedules, a signed offer letter, and employer verification support it. Vested shares carry more weight. We review the full grant history upfront so you know what counts before you shop.
Do I have to sell my RSUs to buy a home in Texas?
No. We can often qualify you by treating RSUs as assets instead of income, which lets you avoid a capital gains event while still putting your equity to work.
Does selling RSUs before closing hurt my approval?
It can, depending on timing and how the sale is documented. Because LendFriend understands the RSU timeline, we help Texas buyers plan the sale, or skip it entirely, before it becomes an underwriting problem.
Can I combine bonus or commission income with RSUs?
Yes. Lenders stack bonus income, commission, and vested RSU income on top of salary when each source has a documented history, typically 2 years. Texas tech and energy employees with layered compensation frequently qualify for far more than base pay alone supports.
What credit score does an RSU mortgage require?
Most RSU mortgage programs look for a credit score of 700 or higher, though every file is reviewed on its own merits. We have closed Texas borrowers with complex income or credit profiles by presenting the equity story correctly.
How much do I need to put down on a Texas RSU mortgage?
The down payment follows the loan program you use (VA, conventional, jumbo, or Non-QM). Most lenders want a down payment of at least 10% when RSU income supports a jumbo loan, while conventional financing can go as low as 3-5% down.
Which loan programs work with RSU income in Texas?
RSU mortgage options include conventional loans, jumbo mortgages, portfolio lending, and Non-QM programs. Each treats stock-based income differently depending on vesting schedules and your goals, and the right match lets Texas professionals pair their equity compensation with the best available terms.
What happens if a Texas bank rejects my RSU income on a jumbo loan?
One bank’s denial is rarely the end. Many banks apply narrow overlays to equity compensation, and there are alternatives when a bank rejects your income on a Texas jumbo purchase. As a broker, we move the file to a lender that credits RSU income on its merits. Buyers already under contract when the denial lands usually keep their timeline.
RSU Mortgage Learning Center
These guides cover how lenders count RSU income, which loan programs accept vested and unvested stock, and how Texas employees at public and pre-IPO companies have used equity compensation to buy a home.
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Looking for other Tailored Non-QM Mortgage Solutions
RSU income is one of several ways LendFriend qualifies Texas borrowers whose finances do not fit a standard W-2 file. If your strength is in investment balances, business deposits, or credit and reserves rather than stock compensation, one of these Non-QM mortgage programs may fit better.
Asset Depletion Mortgages
An asset depletion mortgage converts brokerage, retirement, and cash balances into qualifying income for Texas buyers with substantial holdings and a modest W-2. Jumbo asset depletion loans use the same method on higher-priced homes without selling a share.
Bank Statement Loans
Self-employed Texans and business owners qualify on personal or business bank deposits instead of tax-return income. Jumbo bank statement loans extend that deposit-based approach to larger loan amounts.
No-Ratio Loans
A no-ratio loan lets Texas primary-residence buyers qualify without a debt-to-income calculation, relying on credit, equity, and reserves instead. Jumbo no-ratio loans bring the same structure to larger primary residences.