Tech workers buying in San Francisco often combine a strong base salary with documented RSU income, bonuses, or other equity compensation to qualify for larger loan amounts. The key is working with a lender who knows how to count equity compensation correctly (typically requiring a two-year history), how to structure a down payment that may come from a mix of cash savings and vested stock, and how to move fast in a competitive situation.
Pre-underwriting is especially valuable here because it removes uncertainty around complex income documentation before you’re in a multiple-offer scenario. I work regularly with tech buyers and connect them with lenders who understand the full picture of what they earn, not just the W-2 line.