Income history
Review when RSUs began vesting, how frequently distributions occurred, and whether compensation came as shares or cash.
Restricted stock unit expertise
Your compensation is more than base salary.
Team Petros helps buyers document RSU income, bonuses, and variable compensation for conventional and jumbo mortgage qualification.
Direct answer
Can RSU income be used to qualify for a mortgage?
Potentially. Eligible vested and distributed RSU income may be considered when the borrower meets the applicable history, documentation, calculation, and continuance requirements. Rules vary by loan program, lender, and investor.
VestedIncome already received matters.
DocumentedAwards and distributions need support.
ExpectedContinuing compensation may matter.
What the review connects
Turn stock compensation into a clear mortgage-income story.
RSU analysis is not one universal calculation. The selected program, vesting type, history, method of distribution, stock-price methodology, and future awards can all affect the result.
Current documentation
Connect pay records, W-2s, award statements, vesting schedules, brokerage or bank evidence, and employer verification.
Future continuance
Evaluate active awards and program-specific requirements for whether qualifying income is expected to continue.
RSU document checklist
Exact requirements vary, but these items often help the initial review move faster.
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Where RSU expertise matters
Especially useful for larger and more competitive purchases.
Use the right income mix
Base salary, bonus, and eligible RSU income can affect the qualifying amount, reserves, and offer strategy.
Explore conventional loans →Support a larger loan carefully
Jumbo programs may apply their own overlays and documentation rules. Early analysis helps avoid late-stage recalculation.
Explore jumbo loans →Common RSU questions
Straight answers for stock-compensated buyers.
What documents may be needed for RSU mortgage income?
Common documentation may include recent pay records, W-2s, award and vesting schedules, proof of prior vested distributions, brokerage or bank statements, employer verification, and evidence related to future awards.
Can unvested RSUs be used as current mortgage income?
Unvested awards are generally not current income by themselves. Future vesting can still matter when evaluating whether qualifying income is expected to continue. The exact treatment depends on current program guidelines.
Does the stock price affect qualifying income?
It can. Some guidelines use an average share price when converting distributed vested shares into monthly qualifying income. The required methodology depends on the program and current rules.
Are RSU rules the same for every conventional or jumbo loan?
No. Agency, jumbo investor, and lender requirements can differ. Team Petros compares the available path and documents the file for the selected program.
Guideline references for the live resource center: Fannie Mae RSU income guidance and Freddie Mac employed-income guidance. Always use the latest published requirements.
Let the full compensation package work for the pre-approval.
Bring the RSU documents early and get a human review before the right home appears.