💼 Executive Buyers: How RSUs & Bonuses Can Unlock Mortgage Approval 🏠

🏆 High-Income Earners: Using Bonuses & RSUs to Qualify for a Home Loan 💳

💼 Executive Buyers: How to Use RSUs and Bonuses for Mortgage Approval

In today’s competitive housing market, high-income professionals—especially those in tech, finance, and executive leadership—often rely on more than just base salary to qualify for a mortgage. Restricted Stock Units (RSUs), performance bonuses, and commission income can make or break a mortgage application. But how lenders view these forms of compensation isn’t always straightforward.

Let’s break it down so you can turn your full compensation package into real buying power.

🧾 What Are RSUs and Bonuses?

Restricted Stock Units (RSUs) are shares of company stock granted to employees as part of their compensation, typically vesting over time.
Bonuses can be quarterly, annual, or performance-based cash payouts.

Both are valuable—but only if you can prove their consistency to a lender.

🏦 How Lenders View Non-Base Income

Lenders love stability. While your bonus or RSU value may be impressive, lenders want to see a history of receipt and reasonable expectation of continuance. Here’s how most underwriters evaluate these income types:

✅ Bonuses: Typically, lenders require a two-year average of bonus income.
✅ RSUs: At least 12–24 months of vesting history, plus proof of future vesting.

Lenders often discount RSU income if it's front-loaded or declining, so make sure your pay stubs and offer letters tell a strong story.

💡 Tips to Get Approved Using RSUs & Bonuses

1. Provide Full Documentation
Include:

·         W-2s (last 2 years)

·         Pay stubs showing RSU/bonus payouts

·         Vesting schedules

·         Employer verification or compensation letters

2. Choose the Right Loan Program
Not all mortgage lenders evaluate RSUs or bonuses the same way. Some jumbo loan programs are designed with executive compensation in mind.

3. Work With a Mortgage Broker Who Understands Executive Pay
At Medallion Mortgage, we work with underwriters who get complex income. Whether you’re a VP of Sales or a Senior Engineer at a startup, we’ll match you with a lender that values your full earnings.

🏁 Bottom Line

Your full compensation package could put you in a better position to buy than you think. But don’t risk a denial because of a lender who doesn’t understand RSUs or bonuses.

📲 Let’s connect and review your full income profile. You might qualify for more than you think.

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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory