RSU, Bonus & Commission Income Mortgage Options in Dallas–Fort Worth

In some circumstances, vested or vesting restricted stock units may be considered as part of a mortgage-income review. The treatment depends on income history, vesting schedule, stock documentation, employment situation, consistency, and the requirements of the available program.

The history and documentation needed depend on the available program and your individual compensation profile. A lender may review vesting schedules, prior vesting or payment history, employment documentation, and whether the income is expected to continue, subject to program requirements.

Commission and bonus income can be documented and evaluated differently from base salary, and the treatment may differ by program. The review may consider payment history, consistency, employer documentation, and other information relevant to the borrower’s situation.

Variable bonus income may require a review of its history, consistency, current employment documentation, and the program requirements that apply. A change in bonus amount does not by itself answer whether income can be considered; the complete profile matters.

Whether unvested stock may be considered depends on the program, vesting terms, documentation, employment circumstances, and other requirements. A scenario review can help identify the records and questions worth discussing before you begin a secure application.

No. A scenario review begins with high-level information about your compensation structure, property goal, timing, and available documentation. Do not submit pay statements, stock-account information, Social Security numbers, account numbers, tax returns, or other sensitive documents through the initial form. If you choose to proceed, a licensed professional can explain how to provide documents securely.