Can restricted stock units count as mortgage income?

Yes on select programs when RSUs have a vesting history and a plausible continuation story. Lenders haircut or average RSU income; pure one-time vest spikes rarely count at face value.

Do we need brokerage statements for RSU loans?

Typically yes — grant history, vesting schedule, and liquidated proceeds documentation. Pair with W-2 base salary for the strongest file.

Non-QM & Alternative Doc

Alt-Doc — Equity Comp

RSU / Restricted-Stock Income

Name: Elite Fundings — California Mortgage Team
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (626) 833-7449
Price range: $$

Qualify using RSU vesting schedules — common for tech, biotech, and finance employees.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (626) 833-7449

720

Min FICO

85%

Max LTV

full doc

Docs

Ideal borrower

Tech/finance employees with significant RSU income.

Program highlights

RSU grant letters + vesting schedule
3-year average or remaining-vest approach

Typical uses

Tech-employee home purchase

Frequently asked questions

Can restricted stock units count as mortgage income?: Yes on select programs when RSUs have a vesting history and a plausible continuation story. Lenders haircut or average RSU income; pure one-time vest spikes rarely count at face value.
Do we need brokerage statements for RSU loans?: Typically yes — grant history, vesting schedule, and liquidated proceeds documentation. Pair with W-2 base salary for the strongest file.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.