RSU Income Mortgages in Texas & Florida

Overview

If a large share of your pay arrives as restricted stock units, there's a good chance a lender has quietly ignored it and qualified you on base salary alone — leaving real buying power on the table. An RSU mortgage counts your equity compensation as income, using your vesting history and evidence that the grants will continue, so the number the lender works from reflects your total comp rather than a fraction of it.

For senior tech and corporate professionals, that gap is often the difference between the home you want and a compromise. Base salary might be a third or half of total compensation; the rest vests in stock. Counting it correctly can raise your qualifying income substantially and frequently pushes buyers into jumbo territory. It's a natural fit across Austin, Miami, and the broader Texas and Florida markets where equity-heavy earners are buying — and it's exactly the kind of income that rewards working with a broker who knows which lenders count it well.