Yes, in many cases. Lenders can use vested RSU income to supplement base salary for qualifying purposes, provided you have a documented history of receiving it (typically two years) and a reasonable expectation it will continue. Stock options are more complex and treated differently depending on the lender and the structure. This is a common situation for San Francisco’s tech workforce. I connect buyers with lenders who specialize in equity compensation income so the analysis reflects the full picture of what you earn.
