Mortgage Options for RSU, Bonus and Commission Income
Professionals paid substantially in restricted stock, bonus or commission often find that this income is documented and evaluated differently from base salary. Whether those sources may be considered depends on vesting or payment history, employment documentation, the consistency of the income, and the available program. Requirements vary by borrower, property, lender and program. A scenario review can help identify which path may fit.
We Count What Others Won't
Commissioned employees and executives with Restricted Stock Units (RSUs) often hit a wall with traditional lenders. Most banks won't count RSU income toward mortgage qualification — leaving high-earning executives unable to purchase the home they've clearly earned.
We work with lenders who understand equity compensation. We can count your vested RSU income, bonus income, and commission income toward qualification — giving you the full buying power your compensation package deserves.
Who This Serves
Tech Executives
Software engineers and executives with significant RSU vesting schedules at major tech companies.
Sales Leaders
Sales professionals with high commission income that varies year to year but trends upward.
C-Suite Executives
CEOs, CFOs, and other executives with complex compensation packages including bonuses and equity.
Finance Professionals
Investment bankers, private equity professionals, and financial advisors with bonus-heavy compensation.
Also Consider
W-2 employees can leverage 2nd homes and investment properties to create significant tax deductions under the Big Beautiful Bill. Our DSCR loans and interest-only options maximize your cash flow and tax strategy.
Explore DSCR Investor LoansReady to Use Your Full Earning Power?
Schedule a consultation to discuss how we can count your RSU, bonus, and commission income toward your mortgage qualification.